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$20,715
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$654/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,464 · 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$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$785/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$753/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,536/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$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$916/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,875/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$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$878/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$35,799
+HK$1,792/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$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,288
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,179/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$278,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,482
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,128/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,028
+HK$2,305/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,464 · 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).