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$20,756
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$656/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,091
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$628/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$787/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$754/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$919/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$880/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,181/mo
Today · 4.125%
HK$39,704
baseline
▲ 0.50% · 4.625%
HK$42,119
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,408/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,563
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,131/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,247 · 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).