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$20,713
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$654/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,662
−HK$626/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$786/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,394
−HK$752/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$916/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,692
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,126
−HK$878/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$35,796
+HK$1,792/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,178/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,478
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,591
−HK$1,128/mo
Today · 4.125%
HK$43,719
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,305/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,438/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,383 · 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).