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$20,738
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$655/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$628/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$787/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$753/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$917/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$878/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,328
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,489
−HK$1,179/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$42,082
+HK$2,414/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,527
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,130/mo
Today · 4.125%
HK$43,770
baseline
▲ 0.50% · 4.625%
HK$46,077
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,540/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,441 · 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).