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$20,610
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$652/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$623/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$781/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$749/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$873/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,098
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,252
−HK$1,173/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,399/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,272
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,122/mo
Today · 4.125%
HK$43,501
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$87,002/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,857 · 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).