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$20,785
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,942
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$788/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,748
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$755/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$919/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$881/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,183/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$42,179
+HK$2,419/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,133/mo
Today · 4.125%
HK$43,871
baseline
▲ 0.50% · 4.625%
HK$46,183
+HK$2,312/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,742/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,533 · 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).