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$20,717
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,362
−HK$655/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,356
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$627/mo
Today · 4.125%
HK$24,293
baseline
▲ 0.50% · 4.625%
HK$25,574
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,586/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$786/mo
Today · 4.125%
HK$26,420
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,840/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$753/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$917/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$878/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,291
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,179/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,411/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,486
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,129/mo
Today · 4.125%
HK$43,728
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,304/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,456/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,554 · 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).