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$20,788
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,436
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$629/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,661
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$789/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$755/mo
Today · 4.125%
HK$29,251
baseline
▲ 0.50% · 4.625%
HK$30,793
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,502/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$920/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$881/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,183/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$42,184
+HK$2,419/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,744
−HK$1,132/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,189
+HK$2,313/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,646 · 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).