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$20,792
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$658/mo
Today · 4.125%
HK$22,096
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,192/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$629/mo
Today · 4.125%
HK$24,380
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,760/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$789/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$755/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$30,798
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$920/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$881/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,425
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,183/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,635
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,752
−HK$1,132/mo
Today · 4.125%
HK$43,884
baseline
▲ 0.50% · 4.625%
HK$46,198
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,768/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,816 · 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).