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$20,874
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$659/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$632/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,049
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$792/mo
Today · 4.125%
HK$26,620
baseline
▲ 0.50% · 4.625%
HK$28,240
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,240/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,867
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$759/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$30,921
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,224
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$924/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,946
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$885/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,743
−HK$1,187/mo
Today · 4.125%
HK$39,930
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,430/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,860/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,800
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,137/mo
Today · 4.125%
HK$44,059
baseline
▲ 0.50% · 4.625%
HK$46,381
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,118/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,438 · 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).