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$20,878
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$660/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$632/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$792/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$758/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$924/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$885/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,188/mo
Today · 4.125%
HK$39,938
baseline
▲ 0.50% · 4.625%
HK$42,368
+HK$2,430/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,876/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,809
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,930
−HK$1,137/mo
Today · 4.125%
HK$44,067
baseline
▲ 0.50% · 4.625%
HK$46,390
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,134/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,615 · 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).