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$20,720
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$655/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,359
+HK$1,339/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$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$627/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$785/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$753/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,693
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$916/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$878/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,457
−HK$1,178/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$42,047
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,492
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,129/mo
Today · 4.125%
HK$43,734
baseline
▲ 0.50% · 4.625%
HK$46,039
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,468/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,680 · 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).