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$21,387
−HK$656/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$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,075
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$628/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$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$787/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$753/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$918/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,877/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$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,305
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$879/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$1,794/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$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,335
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,180/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,130/mo
Today · 4.125%
HK$43,779
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,558/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,629 · 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).