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$20,683
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$654/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,337/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$626/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$785/mo
Today · 4.125%
HK$26,376
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,752/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$751/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,956
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$876/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,229
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,176/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,127/mo
Today · 4.125%
HK$43,654
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,308/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,030 · 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).