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$20,705
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$655/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$627/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$785/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$752/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$916/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$877/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,270
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,429
−HK$1,178/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$42,017
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,462
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,574
−HK$1,128/mo
Today · 4.125%
HK$43,702
baseline
▲ 0.50% · 4.625%
HK$46,006
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,404/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,026 · 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).