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$20,672
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,315
−HK$653/mo
Today · 4.125%
HK$21,968
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,936/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,997
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$625/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,517
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,806
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$783/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,966
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$751/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$915/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$876/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$35,724
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,209
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,176/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,395
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,505
−HK$1,126/mo
Today · 4.125%
HK$43,631
baseline
▲ 0.50% · 4.625%
HK$45,931
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,262/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,548 · 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).