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$20,798
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$658/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$630/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$789/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,765
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$756/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,118
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$921/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,262
−HK$881/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,184/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$42,205
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,648
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,765
−HK$1,133/mo
Today · 4.125%
HK$43,898
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,796/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,103 · 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).