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$20,775
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$657/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,343/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,732
−HK$629/mo
Today · 4.125%
HK$24,361
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,722/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$788/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$755/mo
Today · 4.125%
HK$29,233
baseline
▲ 0.50% · 4.625%
HK$30,774
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,466/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$919/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$881/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,558
−HK$1,182/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$42,158
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,132/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,079 · 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).