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$20,726
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$655/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$627/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$786/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$753/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$917/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,712
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,146
−HK$878/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$35,818
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,307
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,467
−HK$1,179/mo
Today · 4.125%
HK$39,646
baseline
▲ 0.50% · 4.625%
HK$42,059
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,292/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,503
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,129/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,933 · 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).