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$20,819
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$658/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,160
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$630/mo
Today · 4.125%
HK$24,412
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,824/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,759
−HK$790/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$921/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$882/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,184/mo
Today · 4.125%
HK$39,823
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,646/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,689
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,807
−HK$1,134/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,993 · 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).