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$20,815
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$657/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$630/mo
Today · 4.125%
HK$24,408
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,816/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$789/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$28,160
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$756/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$921/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,289
−HK$882/mo
Today · 4.125%
HK$34,171
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,342/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,184/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,422/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,682
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,134/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,840 · 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).