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$20,638
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,280
−HK$652/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$625/mo
Today · 4.125%
HK$24,200
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,275/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,400/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,536
−HK$782/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,920
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,551
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$750/mo
Today · 4.125%
HK$29,040
baseline
▲ 0.50% · 4.625%
HK$30,571
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,080/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$913/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,868/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$875/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,174/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,880
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,327
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,125/mo
Today · 4.125%
HK$43,560
baseline
▲ 0.50% · 4.625%
HK$45,856
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,120/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,068 · 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).