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$20,710
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$655/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$627/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,564
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$785/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,389
−HK$752/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$916/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$878/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,278
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,178/mo
Today · 4.125%
HK$39,615
baseline
▲ 0.50% · 4.625%
HK$42,026
+HK$2,411/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,230/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,583
−HK$1,129/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,227 · 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).