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$20,744
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,389
−HK$656/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,386
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$628/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,667
−HK$786/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$28,063
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$754/mo
Today · 4.125%
HK$29,189
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,378/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,945
−HK$917/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,740
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,308
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$879/mo
Today · 4.125%
HK$34,054
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,108/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,180/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,130/mo
Today · 4.125%
HK$43,783
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,566/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,710 · 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).