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$20,730
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$655/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,370
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$628/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$787/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$28,044
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$753/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,022
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,924
−HK$917/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,286
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$879/mo
Today · 4.125%
HK$34,031
baseline
▲ 0.50% · 4.625%
HK$35,824
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,062/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,474
−HK$1,179/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,511
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,130/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,060
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,096 · 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).