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$20,779
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$657/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,426
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$629/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,612/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$755/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,996
−HK$919/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$881/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,566
−HK$1,182/mo
Today · 4.125%
HK$39,748
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,496/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,610
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,726
−HK$1,132/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,261 · 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).