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$20,751
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$656/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,342/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,086
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$628/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,902
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$787/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$28,073
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,703
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$754/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,739
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,052
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$918/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,752
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,320
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$879/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,181/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,130/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,046 · 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).