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$20,763
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$656/mo
Today · 4.125%
HK$22,065
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,130/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,718
−HK$628/mo
Today · 4.125%
HK$24,346
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,692/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$788/mo
Today · 4.125%
HK$26,478
baseline
▲ 0.50% · 4.625%
HK$28,089
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,956/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,718
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$754/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,068
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,972
−HK$919/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,205
−HK$880/mo
Today · 4.125%
HK$34,085
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,170/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,181/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,417/mo
Deposit HK$911K · loan HK$8.19M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,577
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,692
−HK$1,131/mo
Today · 4.125%
HK$43,823
baseline
▲ 0.50% · 4.625%
HK$46,133
+HK$2,310/mo
Deposit HK$911K · loan HK$8.19M · min. income ≈ HK$87,646/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,541 · 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).