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$20,595
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$651/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$624/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,483
−HK$781/mo
Today · 4.125%
HK$26,264
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,528/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,494
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$748/mo
Today · 4.125%
HK$28,980
baseline
▲ 0.50% · 4.625%
HK$30,507
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,960/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,730
−HK$911/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,506
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,077
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,937
−HK$873/mo
Today · 4.125%
HK$33,810
baseline
▲ 0.50% · 4.625%
HK$35,592
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,620/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,071
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,224
−HK$1,172/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,793
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,241
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,122/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,195 · 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).