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$20,816
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$658/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$630/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,979
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$790/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$28,161
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,789
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$756/mo
Today · 4.125%
HK$29,290
baseline
▲ 0.50% · 4.625%
HK$30,834
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,580/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$921/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$882/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,469
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,184/mo
Today · 4.125%
HK$39,818
baseline
▲ 0.50% · 4.625%
HK$42,241
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,636/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,684
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,802
−HK$1,134/mo
Today · 4.125%
HK$43,936
baseline
▲ 0.50% · 4.625%
HK$46,252
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,872/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,878 · 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).