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$20,774
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$656/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$629/mo
Today · 4.125%
HK$24,359
baseline
▲ 0.50% · 4.625%
HK$25,643
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,718/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,928
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,704
−HK$788/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$755/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$919/mo
Today · 4.125%
HK$30,907
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,814/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$881/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,181/mo
Today · 4.125%
HK$39,737
baseline
▲ 0.50% · 4.625%
HK$42,155
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,474/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,715
−HK$1,131/mo
Today · 4.125%
HK$43,846
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,692/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,023 · 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).