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$20,715
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,359
−HK$655/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$627/mo
Today · 4.125%
HK$24,290
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,580/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$786/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$752/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$917/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$877/mo
Today · 4.125%
HK$34,006
baseline
▲ 0.50% · 4.625%
HK$35,799
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,012/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,178/mo
Today · 4.125%
HK$39,625
baseline
▲ 0.50% · 4.625%
HK$42,036
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,250/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,594
−HK$1,129/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,304/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,452 · 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).