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$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$657/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,343/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$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$629/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,284/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$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,931
−HK$1,564/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$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$755/mo
Today · 4.125%
HK$29,234
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,468/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$919/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$880/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,560
−HK$1,182/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$42,160
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,603
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,719
−HK$1,132/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,123 · 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).