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$20,668
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$653/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$625/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$784/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$750/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,935
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,835
−HK$915/mo
Today · 4.125%
HK$30,750
baseline
▲ 0.50% · 4.625%
HK$32,621
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,500/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,054
−HK$875/mo
Today · 4.125%
HK$33,929
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,858/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,202
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,175/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,406/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,126/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$45,923
+HK$2,300/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,392 · 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).