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$20,732
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$656/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,340/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$628/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,591
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,652
−HK$786/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,676
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,419
−HK$753/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,709
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$917/mo
Today · 4.125%
HK$30,844
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,688/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,289
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,155
−HK$879/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,179/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,515
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,130/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,180 · 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).