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$20,689
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$654/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,016
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$627/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,599
−HK$784/mo
Today · 4.125%
HK$26,383
baseline
▲ 0.50% · 4.625%
HK$27,989
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,766/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$751/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,964
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$916/mo
Today · 4.125%
HK$30,781
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,562/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$876/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,240
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,177/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,429
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,540
−HK$1,127/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$45,969
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,300 · 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).