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$20,795
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$657/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,134
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$630/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$789/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,761
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,505
−HK$756/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$920/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,821
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,388
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$881/mo
Today · 4.125%
HK$34,137
baseline
▲ 0.50% · 4.625%
HK$35,937
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,274/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,595
−HK$1,183/mo
Today · 4.125%
HK$39,778
baseline
▲ 0.50% · 4.625%
HK$42,198
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,556/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,133/mo
Today · 4.125%
HK$43,891
baseline
▲ 0.50% · 4.625%
HK$46,205
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,782/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,951 · 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).