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$20,817
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$657/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,347/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$630/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,980
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,757
−HK$790/mo
Today · 4.125%
HK$26,547
baseline
▲ 0.50% · 4.625%
HK$28,162
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,094/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,790
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$756/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$921/mo
Today · 4.125%
HK$30,971
baseline
▲ 0.50% · 4.625%
HK$32,856
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,942/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$882/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,636
−HK$1,184/mo
Today · 4.125%
HK$39,820
baseline
▲ 0.50% · 4.625%
HK$42,243
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,640/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,686
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,134/mo
Today · 4.125%
HK$43,938
baseline
▲ 0.50% · 4.625%
HK$46,254
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,876/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,926 · 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).