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$20,570
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,210
−HK$650/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,190
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$622/mo
Today · 4.125%
HK$24,120
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,240/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$780/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$748/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,694
−HK$910/mo
Today · 4.125%
HK$30,604
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,208/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$872/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,178
−HK$1,170/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,742
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,191
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,296
−HK$1,121/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$45,705
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,099 · 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).