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$20,775
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$656/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$629/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$788/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,612/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$754/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,541/mo
Deposit HK$3.64M · loan HK$5.47M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$919/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$880/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,558
−HK$1,181/mo
Today · 4.125%
HK$39,739
baseline
▲ 0.50% · 4.625%
HK$42,157
+HK$2,418/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,478/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,131/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,067 · 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).