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$20,803
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$657/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$630/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$788/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,771
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$755/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$921/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,400
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$881/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,184/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$42,214
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,133/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,315/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,289 · 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).