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$20,754
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$628/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$753/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$918/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$880/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$35,867
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,180/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$42,116
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,131/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,169 · 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).