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$20,750
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,395
−HK$656/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$628/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$787/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$28,071
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,443
−HK$754/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,953
−HK$918/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$879/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,511
−HK$1,180/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,551
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,130/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,967 · 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).