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$20,815
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$658/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$630/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$789/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$28,159
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,787
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$756/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$921/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$882/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,184/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,799
−HK$1,134/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,249
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,822 · 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).