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$20,729
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$655/mo
Today · 4.125%
HK$22,029
baseline
▲ 0.50% · 4.625%
HK$23,369
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,058/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$628/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$787/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$753/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,705
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$878/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,312
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,473
−HK$1,179/mo
Today · 4.125%
HK$39,652
baseline
▲ 0.50% · 4.625%
HK$42,065
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,304/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,623
−HK$1,129/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,058
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,062 · 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).