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$1,298/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$654/mo
Today · 4.125%
HK$22,010
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,020/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,041
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$627/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,854
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$785/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$753/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,898
−HK$917/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,258
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$878/mo
Today · 4.125%
HK$34,001
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$68,002/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,281
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,179/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,238/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,475
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,587
−HK$1,128/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,020
+HK$2,305/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,301 · 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).