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$20,747
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$656/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$628/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,896
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$787/mo
Today · 4.125%
HK$26,457
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,914/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$754/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$918/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$879/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,181/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,130/mo
Today · 4.125%
HK$43,789
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,578/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,833 · 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).