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$20,727
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$655/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$627/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$753/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$878/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,469
−HK$1,179/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,505
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,129/mo
Today · 4.125%
HK$43,748
baseline
▲ 0.50% · 4.625%
HK$46,054
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,496/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,977 · 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).