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$20,719
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$655/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$627/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$785/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,608/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$752/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,007
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,909
−HK$917/mo
Today · 4.125%
HK$30,826
baseline
▲ 0.50% · 4.625%
HK$32,702
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,652/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,270
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$878/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,295
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,178/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,129/mo
Today · 4.125%
HK$43,732
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,464/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,639 · 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).