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$20,716
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$655/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$627/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$786/mo
Today · 4.125%
HK$26,418
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,836/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$752/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,686
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$916/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$877/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,288
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,178/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,129/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,028
+HK$2,304/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,476 · 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).