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$20,807
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$657/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,147
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$630/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$789/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$755/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,129
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$921/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$882/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,184/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,783
−HK$1,133/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,231
+HK$2,315/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,473 · 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).