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$20,728
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$655/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$627/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,587
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$786/mo
Today · 4.125%
HK$26,433
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,866/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$752/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,019
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$917/mo
Today · 4.125%
HK$30,839
baseline
▲ 0.50% · 4.625%
HK$32,715
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,678/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,149
−HK$878/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,821
+HK$1,794/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$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,310
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,471
−HK$1,179/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,507
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,620
−HK$1,130/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,056
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,014 · 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).