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$20,785
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$657/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$629/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$789/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,612/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$755/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$919/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$881/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,412
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,182/mo
Today · 4.125%
HK$39,758
baseline
▲ 0.50% · 4.625%
HK$42,177
+HK$2,419/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,516/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,621
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,132/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,313/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,502 · 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).