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$1,298/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$654/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$627/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$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,849
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$785/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$752/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,674
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$917/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$877/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,274
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,178/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,467
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,579
−HK$1,128/mo
Today · 4.125%
HK$43,707
baseline
▲ 0.50% · 4.625%
HK$46,011
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,414/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,128 · 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).