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$20,802
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$657/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$630/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$789/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$755/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,122
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$920/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,398
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$881/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,296/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,184/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,133/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,245 · 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).