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$20,765
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$656/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$629/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$787/mo
Today · 4.125%
HK$26,480
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,960/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,464
−HK$754/mo
Today · 4.125%
HK$29,218
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,436/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$919/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$880/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,539
−HK$1,181/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$42,137
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,581
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,696
−HK$1,132/mo
Today · 4.125%
HK$43,828
baseline
▲ 0.50% · 4.625%
HK$46,138
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,656/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,635 · 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).