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$20,736
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$655/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,377
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$628/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$786/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$753/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$918/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$879/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,179/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$42,079
+HK$2,414/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,130/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,366 · 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).