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$20,806
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$657/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,456
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,146
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$630/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$790/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$756/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,034
−HK$921/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,838
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,405
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,274
−HK$881/mo
Today · 4.125%
HK$34,155
baseline
▲ 0.50% · 4.625%
HK$35,956
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,310/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,184/mo
Today · 4.125%
HK$39,799
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,598/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,663
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,134/mo
Today · 4.125%
HK$43,914
baseline
▲ 0.50% · 4.625%
HK$46,229
+HK$2,315/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,828/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,430 · 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).