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$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$628/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$786/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,609/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$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$753/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$878/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,179/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,129/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,955 · 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).