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$20,564
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$650/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$623/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$780/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$747/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,462
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$909/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,029
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$871/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,539
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,016
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,170/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,731
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,180
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,284
−HK$1,120/mo
Today · 4.125%
HK$43,404
baseline
▲ 0.50% · 4.625%
HK$45,692
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,808/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,843 · 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).