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$20,754
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$655/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$628/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$787/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,706
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$754/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$919/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$879/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,181/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,131/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,159 · 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).