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$20,813
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,460
−HK$658/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,464
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,154
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$630/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,691
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,752
−HK$790/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,530
−HK$756/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$921/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$882/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,183/mo
Today · 4.125%
HK$39,812
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,423/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,624/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,134/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,316/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,743 · 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).