The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,685
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$654/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,337/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$626/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,533
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,822
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$784/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$751/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,959
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$916/mo
Today · 4.125%
HK$30,775
baseline
▲ 0.50% · 4.625%
HK$32,647
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,550/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$877/mo
Today · 4.125%
HK$33,957
baseline
▲ 0.50% · 4.625%
HK$35,747
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,914/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,176/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,421
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,127/mo
Today · 4.125%
HK$43,659
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,318/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,126 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).