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$20,731
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$655/mo
Today · 4.125%
HK$22,031
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,062/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,063
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$628/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$786/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,675
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$753/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$917/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$878/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,315
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,476
−HK$1,179/mo
Today · 4.125%
HK$39,655
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,310/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,513
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,626
−HK$1,130/mo
Today · 4.125%
HK$43,756
baseline
▲ 0.50% · 4.625%
HK$46,062
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,512/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,142 · 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).