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$20,768
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,414
−HK$657/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,104
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$629/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$788/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$754/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$919/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$880/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,181/mo
Today · 4.125%
HK$39,727
baseline
▲ 0.50% · 4.625%
HK$42,144
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,454/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,132/mo
Today · 4.125%
HK$43,835
baseline
▲ 0.50% · 4.625%
HK$46,145
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,670/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,783 · 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).