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$20,718
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$655/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,036/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$627/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,862
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$786/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$752/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$917/mo
Today · 4.125%
HK$30,825
baseline
▲ 0.50% · 4.625%
HK$32,700
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,650/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$878/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$35,805
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,293
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,453
−HK$1,179/mo
Today · 4.125%
HK$39,632
baseline
▲ 0.50% · 4.625%
HK$42,043
+HK$2,411/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,264/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,488
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,129/mo
Today · 4.125%
HK$43,730
baseline
▲ 0.50% · 4.625%
HK$46,035
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,460/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,602 · 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).