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$20,689
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$654/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,016
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$626/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$785/mo
Today · 4.125%
HK$26,383
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,766/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$751/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$915/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$877/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,239
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,177/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,428
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,539
−HK$1,128/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$45,968
+HK$2,301/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,289 · 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).