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$20,706
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$655/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,036
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$627/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$786/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$28,012
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,643
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$752/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,989
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$916/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,681
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$877/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,271
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,178/mo
Today · 4.125%
HK$39,609
baseline
▲ 0.50% · 4.625%
HK$42,019
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,218/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,464
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,128/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,071 · 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).