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$20,740
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$655/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,382
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,073
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,692
−HK$628/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$786/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$28,059
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,431
−HK$753/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$917/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$879/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,494
−HK$1,180/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$42,088
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,130/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,084
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,565 · 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).