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$20,811
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$657/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$630/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$790/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$756/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,136
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$921/mo
Today · 4.125%
HK$30,963
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,926/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$882/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,460
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,184/mo
Today · 4.125%
HK$39,810
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,422/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,620/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,674
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,792
−HK$1,134/mo
Today · 4.125%
HK$43,926
baseline
▲ 0.50% · 4.625%
HK$46,241
+HK$2,315/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,852/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,677 · 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).