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$20,850
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$659/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$631/mo
Today · 4.125%
HK$24,449
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,898/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$791/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,835
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$758/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$923/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,474
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,345
−HK$883/mo
Today · 4.125%
HK$34,228
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,456/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,186/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$42,311
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,872
−HK$1,136/mo
Today · 4.125%
HK$44,008
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,016/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,377 · 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).