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$1,304/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$657/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$630/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$789/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$755/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$920/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$881/mo
Today · 4.125%
HK$34,130
baseline
▲ 0.50% · 4.625%
HK$35,929
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,260/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,182/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,132/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,194
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,753 · 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).