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$20,762
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$657/mo
Today · 4.125%
HK$22,064
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,128/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$628/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$787/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,460
−HK$754/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$919/mo
Today · 4.125%
HK$30,889
baseline
▲ 0.50% · 4.625%
HK$32,769
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,778/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$880/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$35,880
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,182/mo
Today · 4.125%
HK$39,715
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,430/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,575
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,690
−HK$1,131/mo
Today · 4.125%
HK$43,821
baseline
▲ 0.50% · 4.625%
HK$46,131
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,642/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,499 · 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).