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$20,721
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$654/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$627/mo
Today · 4.125%
HK$24,297
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,594/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,865
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$785/mo
Today · 4.125%
HK$26,424
baseline
▲ 0.50% · 4.625%
HK$28,032
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,848/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,662
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,404
−HK$753/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$917/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$878/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,298
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,458
−HK$1,179/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$42,048
+HK$2,411/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,493
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,129/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,040
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,713 · 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).