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$20,758
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$656/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$629/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$788/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,712
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$754/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$919/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$880/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,181/mo
Today · 4.125%
HK$39,708
baseline
▲ 0.50% · 4.625%
HK$42,124
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,416/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,568
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,131/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,123
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,338 · 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).