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$20,766
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$657/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,722
−HK$629/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$787/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$755/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$919/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,182/mo
Today · 4.125%
HK$39,724
baseline
▲ 0.50% · 4.625%
HK$42,141
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,448/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,700
−HK$1,131/mo
Today · 4.125%
HK$43,831
baseline
▲ 0.50% · 4.625%
HK$46,141
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,662/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,707 · 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).