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$20,736
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$656/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,069
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$627/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$786/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$754/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$918/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,163
−HK$879/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,326
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,179/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,414/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,130/mo
Today · 4.125%
HK$43,768
baseline
▲ 0.50% · 4.625%
HK$46,075
+HK$2,307/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,536/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,392 · 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).