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$20,737
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$656/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$627/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$786/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$754/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$918/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$879/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,488
−HK$1,180/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$42,081
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,526
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,639
−HK$1,130/mo
Today · 4.125%
HK$43,769
baseline
▲ 0.50% · 4.625%
HK$46,076
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,538/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,423 · 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).