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$20,708
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$655/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$626/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$785/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$917/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,253
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$877/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,434
−HK$1,178/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,411/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,580
−HK$1,128/mo
Today · 4.125%
HK$43,708
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,416/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,153 · 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).