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$20,684
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$654/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,337/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$626/mo
Today · 4.125%
HK$24,253
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,506/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,592
−HK$785/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,612
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,353
−HK$751/mo
Today · 4.125%
HK$29,104
baseline
▲ 0.50% · 4.625%
HK$30,638
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,208/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,957
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,858
−HK$915/mo
Today · 4.125%
HK$30,773
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,546/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,214
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,078
−HK$877/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,177/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,127/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,072 · 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).