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$20,811
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$658/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,461
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$629/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$789/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,782
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$756/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$30,826
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$921/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$881/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,184/mo
Today · 4.125%
HK$39,808
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,422/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,616/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,791
−HK$1,133/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,316/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,644 · 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).