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$20,881
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$660/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,853
−HK$632/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,775
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$792/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$759/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$924/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$885/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,187/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,373
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,935
−HK$1,137/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,396
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,721 · 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).