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$20,848
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$659/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$631/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,018
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$790/mo
Today · 4.125%
HK$26,586
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,172/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,832
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$758/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$923/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$884/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,186/mo
Today · 4.125%
HK$39,880
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,760/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,136/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,323
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,284 · 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).