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$20,746
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,391
−HK$656/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$627/mo
Today · 4.125%
HK$24,326
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,652/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$787/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$754/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,044
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$917/mo
Today · 4.125%
HK$30,865
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,730/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,178
−HK$879/mo
Today · 4.125%
HK$34,057
baseline
▲ 0.50% · 4.625%
HK$35,852
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,114/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,504
−HK$1,180/mo
Today · 4.125%
HK$39,684
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,368/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,657
−HK$1,131/mo
Today · 4.125%
HK$43,788
baseline
▲ 0.50% · 4.625%
HK$46,096
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,576/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,803 · 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).