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$20,796
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$658/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,444
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$630/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,955
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$788/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,762
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$756/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,114
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$920/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,389
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,257
−HK$882/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,183/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,643
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,133/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,982 · 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).