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$20,783
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$657/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$629/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$788/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$755/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$920/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$881/mo
Today · 4.125%
HK$34,118
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,236/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,409
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,182/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$42,174
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,617
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,733
−HK$1,133/mo
Today · 4.125%
HK$43,866
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,732/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,426 · 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).