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$20,789
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,435
−HK$657/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,127
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$630/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,722
−HK$789/mo
Today · 4.125%
HK$26,511
baseline
▲ 0.50% · 4.625%
HK$28,124
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,022/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,753
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$755/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$919/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,811
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,246
−HK$881/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,420
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,584
−HK$1,182/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$42,186
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,629
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,133/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,191
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,684 · 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).