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$20,751
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$656/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,394
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,085
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,704
−HK$629/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,615
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$787/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$28,073
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$754/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$918/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,752
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$880/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,180/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,668
−HK$1,131/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,107
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,030 · 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).