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$20,772
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,418
−HK$656/mo
Today · 4.125%
HK$22,074
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,148/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$629/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,926
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$788/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$754/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$30,769
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,985
−HK$919/mo
Today · 4.125%
HK$30,904
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,808/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$881/mo
Today · 4.125%
HK$34,100
baseline
▲ 0.50% · 4.625%
HK$35,897
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,200/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,389
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,552
−HK$1,182/mo
Today · 4.125%
HK$39,734
baseline
▲ 0.50% · 4.625%
HK$42,151
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,468/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,595
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,711
−HK$1,131/mo
Today · 4.125%
HK$43,842
baseline
▲ 0.50% · 4.625%
HK$46,153
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,684/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,939 · 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).