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$20,559
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$650/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$623/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,379
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,671
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,439
−HK$779/mo
Today · 4.125%
HK$26,218
baseline
▲ 0.50% · 4.625%
HK$27,814
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,436/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,446
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,183
−HK$746/mo
Today · 4.125%
HK$28,929
baseline
▲ 0.50% · 4.625%
HK$30,454
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,858/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,678
−HK$910/mo
Today · 4.125%
HK$30,588
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,176/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,880
−HK$871/mo
Today · 4.125%
HK$33,751
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,502/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,170/mo
Today · 4.125%
HK$39,328
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,392/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$78,656/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,120/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,287/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,625 · 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).