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$20,876
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$660/mo
Today · 4.125%
HK$22,185
baseline
▲ 0.50% · 4.625%
HK$23,535
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,370/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,847
−HK$632/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$792/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,616
−HK$758/mo
Today · 4.125%
HK$29,374
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,748/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$924/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$885/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,077
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,187/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,803
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,138/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,495 · 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).