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$20,857
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$659/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$632/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,028
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,807
−HK$791/mo
Today · 4.125%
HK$26,598
baseline
▲ 0.50% · 4.625%
HK$28,216
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,196/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,844
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$757/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,200
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,108
−HK$923/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$883/mo
Today · 4.125%
HK$34,239
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,478/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,543
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,187/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,427/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,886
−HK$1,136/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,676 · 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).