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$20,719
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$655/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,340/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$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$627/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,862
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$786/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$28,029
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$753/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,615 · 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$32,701
+HK$1,876/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$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$878/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$35,805
+HK$1,792/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,454
−HK$1,178/mo
Today · 4.125%
HK$39,632
baseline
▲ 0.50% · 4.625%
HK$42,044
+HK$2,412/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$278,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,489
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,602
−HK$1,128/mo
Today · 4.125%
HK$43,730
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,306/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$278,615 · 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).