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$20,761
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$656/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$629/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$788/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$918/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$879/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,181/mo
Today · 4.125%
HK$39,714
baseline
▲ 0.50% · 4.625%
HK$42,130
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,428/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,574
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,689
−HK$1,131/mo
Today · 4.125%
HK$43,820
baseline
▲ 0.50% · 4.625%
HK$46,130
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,640/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,481 · 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).