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$20,757
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$656/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,092
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$628/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,909
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$788/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$28,081
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,454
−HK$754/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,416/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$918/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$880/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,525
−HK$1,181/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,681
−HK$1,131/mo
Today · 4.125%
HK$43,812
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,624/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,302 · 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).