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$20,768
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,414
−HK$656/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,104
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,724
−HK$628/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$787/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$755/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$30,763
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$919/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$880/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,545
−HK$1,181/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,417/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,587
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,703
−HK$1,131/mo
Today · 4.125%
HK$43,834
baseline
▲ 0.50% · 4.625%
HK$46,145
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,668/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,767 · 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).