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$20,818
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$657/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,347/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,160
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$630/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$789/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,792
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$756/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$921/mo
Today · 4.125%
HK$30,973
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,946/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$882/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,184/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,688
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,134/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,966 · 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).