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$20,773
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$656/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$629/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,702
−HK$788/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$754/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,221
−HK$880/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,391
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,181/mo
Today · 4.125%
HK$39,735
baseline
▲ 0.50% · 4.625%
HK$42,153
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,470/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,597
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,712
−HK$1,132/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,155
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,973 · 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).