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$20,860
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$660/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$632/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$791/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$758/mo
Today · 4.125%
HK$29,353
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,706/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$923/mo
Today · 4.125%
HK$31,036
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,072/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,361
−HK$884/mo
Today · 4.125%
HK$34,245
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,490/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,549
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,717
−HK$1,186/mo
Today · 4.125%
HK$39,903
baseline
▲ 0.50% · 4.625%
HK$42,331
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,806/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,773
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,136/mo
Today · 4.125%
HK$44,029
baseline
▲ 0.50% · 4.625%
HK$46,350
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,058/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,828 · 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).