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$20,742
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$655/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$627/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$787/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$754/mo
Today · 4.125%
HK$29,187
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,374/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$917/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,738
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,306
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$879/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,336
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,180/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,536
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,130/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,650 · 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).