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$20,657
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$653/mo
Today · 4.125%
HK$21,953
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,906/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,981
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$625/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$783/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,946
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,577
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$750/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,600
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$914/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,604
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$875/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,340
−HK$1,175/mo
Today · 4.125%
HK$39,515
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,405/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,030/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,366
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,125/mo
Today · 4.125%
HK$43,601
baseline
▲ 0.50% · 4.625%
HK$45,899
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,202/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,929 · 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).