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$20,686
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$654/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,337/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$626/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$784/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,616
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$751/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$915/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$876/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$35,749
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,235
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,394
−HK$1,176/mo
Today · 4.125%
HK$39,570
baseline
▲ 0.50% · 4.625%
HK$41,978
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,140/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,424
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,535
−HK$1,127/mo
Today · 4.125%
HK$43,662
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,302/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,324/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,196 · 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).