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$20,712
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$654/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,042
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$627/mo
Today · 4.125%
HK$24,287
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,574/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$785/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$753/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,997
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$917/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,124
−HK$878/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$35,794
+HK$1,792/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,282
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,442
−HK$1,178/mo
Today · 4.125%
HK$39,620
baseline
▲ 0.50% · 4.625%
HK$42,031
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,240/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,476
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,589
−HK$1,128/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,021
+HK$2,304/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,434/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,335 · 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).