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$20,739
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$656/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$628/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,601
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$787/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$753/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,035
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$918/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,180/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$42,085
+HK$2,413/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,530
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,130/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,307/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,512 · 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).