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$20,797
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$658/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$630/mo
Today · 4.125%
HK$24,387
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,774/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$789/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$755/mo
Today · 4.125%
HK$29,264
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,528/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$920/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$882/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,435
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,600
−HK$1,183/mo
Today · 4.125%
HK$39,783
baseline
▲ 0.50% · 4.625%
HK$42,204
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,566/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,647
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,134/mo
Today · 4.125%
HK$43,897
baseline
▲ 0.50% · 4.625%
HK$46,210
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,794/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,067 · 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).