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$20,751
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$656/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,394
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$628/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$787/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$753/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$918/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$879/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,180/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,131/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,013 · 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).