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$20,753
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,399
−HK$655/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,396
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,088
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,707
−HK$628/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$787/mo
Today · 4.125%
HK$26,465
baseline
▲ 0.50% · 4.625%
HK$28,076
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,930/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$754/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,958
−HK$918/mo
Today · 4.125%
HK$30,876
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,752/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$880/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,181/mo
Today · 4.125%
HK$39,698
baseline
▲ 0.50% · 4.625%
HK$42,113
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,396/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,558
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,131/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,118 · 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).