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$20,784
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$656/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,122
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$629/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,656
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$788/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,747
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$755/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$919/mo
Today · 4.125%
HK$30,922
baseline
▲ 0.50% · 4.625%
HK$32,804
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,844/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,371
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$881/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$35,918
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,411
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,182/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$42,177
+HK$2,420/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,736
−HK$1,132/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,181
+HK$2,313/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,482 · 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).