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$20,765
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$656/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$628/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,633
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$788/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$754/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$918/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$880/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,181/mo
Today · 4.125%
HK$39,721
baseline
▲ 0.50% · 4.625%
HK$42,138
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,442/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,132/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,139
+HK$2,310/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,658 · 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).