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$20,777
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$656/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$628/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$788/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,480
−HK$755/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$30,776
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$919/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,792
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$880/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,398
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,182/mo
Today · 4.125%
HK$39,743
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,486/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,605
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,721
−HK$1,131/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,164
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,151 · 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).