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$1,304/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$658/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,136
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$630/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$789/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$755/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$920/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$881/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,183/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,645
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,762
−HK$1,133/mo
Today · 4.125%
HK$43,895
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,790/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,028 · 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).