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$20,780
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$657/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,426
+HK$1,343/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$629/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$754/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$919/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$881/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,567
−HK$1,182/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,132/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,289 · 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).