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$20,706
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$654/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$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$626/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$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$785/mo
Today · 4.125%
HK$26,405
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,810/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,642
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$752/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,536/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$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$916/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,249
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$877/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,270
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,430
−HK$1,177/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$278,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,463
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,575
−HK$1,128/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,007
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,043 · 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).