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$20,703
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$654/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$627/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$785/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$28,008
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$752/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,667
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$916/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,244
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$877/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,265
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,424
−HK$1,178/mo
Today · 4.125%
HK$39,602
baseline
▲ 0.50% · 4.625%
HK$42,011
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,204/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,457
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,569
−HK$1,128/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,000
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,910 · 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).