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$20,764
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$656/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,719
−HK$629/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$787/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$919/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,340
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$880/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$35,884
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,375
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,538
−HK$1,181/mo
Today · 4.125%
HK$39,719
baseline
▲ 0.50% · 4.625%
HK$42,136
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,438/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,580
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,695
−HK$1,131/mo
Today · 4.125%
HK$43,826
baseline
▲ 0.50% · 4.625%
HK$46,136
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,652/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,606 · 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).