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$20,735
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$655/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$628/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,595
+HK$1,281/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$786/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$754/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,029
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$917/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$878/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,323
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,180/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$42,077
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,635
−HK$1,130/mo
Today · 4.125%
HK$43,765
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,530/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,329 · 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).