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$20,804
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,451
−HK$657/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,454
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$629/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,741
−HK$789/mo
Today · 4.125%
HK$26,530
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,060/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,518
−HK$755/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$921/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,904/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$881/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,447
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,612
−HK$1,183/mo
Today · 4.125%
HK$39,795
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,590/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,659
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,134/mo
Today · 4.125%
HK$43,910
baseline
▲ 0.50% · 4.625%
HK$46,224
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,820/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,342 · 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).