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$20,814
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$658/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$630/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$790/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$28,158
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,786
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$756/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$30,831
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,139
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$920/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,417
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$882/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,184/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,134/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,315/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,779 · 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).