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$20,626
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$651/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$624/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,751
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$782/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$749/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$912/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$874/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,173/mo
Today · 4.125%
HK$39,455
baseline
▲ 0.50% · 4.625%
HK$41,856
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,910/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,303
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,411
−HK$1,124/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$45,829
+HK$2,294/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,544 · 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).