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$20,743
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$656/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$628/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$786/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,610/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$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$754/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,040
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$918/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,307
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$879/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,499
−HK$1,180/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,537
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,651
−HK$1,131/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,089
+HK$2,307/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,678 · 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).