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$20,722
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$655/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$627/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$785/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$753/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,695
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$917/mo
Today · 4.125%
HK$30,830
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,660/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,274
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,139
−HK$878/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,179/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$42,050
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,495
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,608
−HK$1,129/mo
Today · 4.125%
HK$43,737
baseline
▲ 0.50% · 4.625%
HK$46,042
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,474/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,746 · 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).