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$20,722
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$655/mo
Today · 4.125%
HK$22,022
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,044/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$627/mo
Today · 4.125%
HK$24,299
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,598/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$786/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$28,034
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,664
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$753/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$917/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,275
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,140
−HK$879/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,461
−HK$1,178/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,129/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,044
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,777 · 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).