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$20,741
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$656/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$628/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$786/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,689
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$753/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,941
−HK$918/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,736
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,304
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$879/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,496
−HK$1,180/mo
Today · 4.125%
HK$39,676
baseline
▲ 0.50% · 4.625%
HK$42,090
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,352/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,534
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,648
−HK$1,130/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,086
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,604 · 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).