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$20,748
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$655/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$628/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,672
−HK$787/mo
Today · 4.125%
HK$26,459
baseline
▲ 0.50% · 4.625%
HK$28,069
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,918/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$754/mo
Today · 4.125%
HK$29,195
baseline
▲ 0.50% · 4.625%
HK$30,734
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,390/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,047
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$918/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,315
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$879/mo
Today · 4.125%
HK$34,061
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,122/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,347
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,181/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$42,104
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,548
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,662
−HK$1,130/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,101
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,904 · 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).