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$20,693
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$654/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$626/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,543
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$785/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,625
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$751/mo
Today · 4.125%
HK$29,117
baseline
▲ 0.50% · 4.625%
HK$30,652
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,234/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$916/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$877/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,247
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,177/mo
Today · 4.125%
HK$39,583
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,166/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,437
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,128/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$45,978
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,481 · 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).