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$20,745
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$656/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$628/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,608
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,894
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$787/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$753/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,729
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,043
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$918/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$879/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,502
−HK$1,180/mo
Today · 4.125%
HK$39,682
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,364/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,655
−HK$1,131/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,760 · 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).