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$20,790
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$657/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$629/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,756/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$788/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$755/mo
Today · 4.125%
HK$29,253
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,506/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,105
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$920/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$881/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,421
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,183/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,747
−HK$1,133/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,722 · 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).