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$20,738
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$656/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$627/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$786/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$753/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$917/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,732
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$878/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,180/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,413/mo
Deposit HK$909K · loan HK$8.19M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,528
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,129/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,079
+HK$2,308/mo
Deposit HK$909K · loan HK$8.19M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,468 · 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).