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$20,777
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$656/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$629/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$788/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$755/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$919/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$881/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,562
−HK$1,182/mo
Today · 4.125%
HK$39,744
baseline
▲ 0.50% · 4.625%
HK$42,163
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,488/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,606
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,722
−HK$1,132/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,165
+HK$2,311/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,180 · 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).