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$20,727
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$655/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$628/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,586
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$753/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$917/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$879/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,179/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,129/mo
Today · 4.125%
HK$43,748
baseline
▲ 0.50% · 4.625%
HK$46,054
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,496/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,989 · 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).