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$20,734
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$655/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,685
−HK$628/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$786/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$753/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,028
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,931
−HK$917/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$879/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,322
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,180/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,130/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,292 · 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).