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$20,724
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$655/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$627/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,869
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$785/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$753/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,698
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$917/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$878/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,179/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,129/mo
Today · 4.125%
HK$43,742
baseline
▲ 0.50% · 4.625%
HK$46,047
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,484/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,851 · 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).