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$20,761
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$656/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$628/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$787/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$919/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$880/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,370
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,532
−HK$1,181/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,573
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,131/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,310/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,462 · 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).