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$20,675
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$653/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$626/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,581
−HK$784/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$751/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,625
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,945
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$915/mo
Today · 4.125%
HK$30,760
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,520/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,201
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$876/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,126/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,682 · 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).