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$20,769
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$656/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,414
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,105
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$628/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$787/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$755/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$919/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$880/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$35,892
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,182/mo
Today · 4.125%
HK$39,728
baseline
▲ 0.50% · 4.625%
HK$42,145
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,456/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,589
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,132/mo
Today · 4.125%
HK$43,836
baseline
▲ 0.50% · 4.625%
HK$46,146
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,672/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,802 · 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).