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$20,769
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$656/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,415
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,106
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$628/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,284/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,699
−HK$787/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$28,098
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$754/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,077
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$919/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,781
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,348
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$880/mo
Today · 4.125%
HK$34,096
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,192/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,548
−HK$1,181/mo
Today · 4.125%
HK$39,729
baseline
▲ 0.50% · 4.625%
HK$42,147
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,458/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,590
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,706
−HK$1,131/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,148
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,840 · 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).