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$20,774
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$657/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,343/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$629/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,704
−HK$788/mo
Today · 4.125%
HK$26,492
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,984/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$755/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$919/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$881/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$35,901
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,181/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,600
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,131/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,159
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,046 · 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).