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$20,755
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$628/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$754/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$919/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$879/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$35,867
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,181/mo
Today · 4.125%
HK$39,701
baseline
▲ 0.50% · 4.625%
HK$42,117
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,402/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,561
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,675
−HK$1,131/mo
Today · 4.125%
HK$43,806
baseline
▲ 0.50% · 4.625%
HK$46,115
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,612/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,187 · 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).