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$20,869
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$659/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$631/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$792/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$923/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,937
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,503
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$885/mo
Today · 4.125%
HK$34,259
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$1,805/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,518/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,564
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,732
−HK$1,187/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,348
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,789
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,910
−HK$1,137/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,190 · 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).