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$20,730
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$655/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$627/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$786/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$753/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,925
−HK$918/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,719
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,287
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,153
−HK$879/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,315
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,475
−HK$1,180/mo
Today · 4.125%
HK$39,655
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,310/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,512
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,626
−HK$1,129/mo
Today · 4.125%
HK$43,755
baseline
▲ 0.50% · 4.625%
HK$46,061
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,510/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,126 · 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).