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$20,642
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$653/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$625/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$783/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,557
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$750/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$913/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$875/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,312
−HK$1,174/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,444
−HK$1,125/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$45,865
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,255 · 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).