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$20,799
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$658/mo
Today · 4.125%
HK$22,104
baseline
▲ 0.50% · 4.625%
HK$23,449
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,208/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$629/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,675
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,736
−HK$789/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$755/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$920/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$881/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,439
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,604
−HK$1,183/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$42,208
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,651
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,768
−HK$1,133/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,155 · 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).