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$20,757
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$656/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,091
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$628/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,908
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$787/mo
Today · 4.125%
HK$26,470
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,940/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,710
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$754/mo
Today · 4.125%
HK$29,207
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,414/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,059
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,963
−HK$918/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,195
−HK$880/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,362
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,524
−HK$1,181/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$42,121
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,131/mo
Today · 4.125%
HK$43,810
baseline
▲ 0.50% · 4.625%
HK$46,120
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,620/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,273 · 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).