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$20,786
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$788/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$755/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$920/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$880/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,182/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$42,180
+HK$2,420/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,133/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,312/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,548 · 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).