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$20,805
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$657/mo
Today · 4.125%
HK$22,109
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,218/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$630/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$789/mo
Today · 4.125%
HK$26,531
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,062/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$756/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$920/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,403
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,272
−HK$882/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,184/mo
Today · 4.125%
HK$39,797
baseline
▲ 0.50% · 4.625%
HK$42,218
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,594/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,661
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,778
−HK$1,134/mo
Today · 4.125%
HK$43,912
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,315/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,824/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,386 · 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).