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$20,701
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$654/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$627/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,553
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$785/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$28,005
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$751/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,981
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$916/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,241
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,106
−HK$877/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,966/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,177/mo
Today · 4.125%
HK$39,598
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,196/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,128/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$45,996
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,832 · 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).