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$20,877
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$660/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$632/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,771
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$792/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$759/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,228
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$924/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$885/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,188/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,366
+HK$2,430/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,806
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,137/mo
Today · 4.125%
HK$44,065
baseline
▲ 0.50% · 4.625%
HK$46,388
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,130/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,570 · 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).