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$20,566
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$650/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$623/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$780/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$747/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,688
−HK$910/mo
Today · 4.125%
HK$30,598
baseline
▲ 0.50% · 4.625%
HK$32,460
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,196/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$871/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,171
−HK$1,170/mo
Today · 4.125%
HK$39,341
baseline
▲ 0.50% · 4.625%
HK$41,735
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,682/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,184
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,288
−HK$1,121/mo
Today · 4.125%
HK$43,409
baseline
▲ 0.50% · 4.625%
HK$45,697
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,818/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,931 · 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).