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$20,853
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$659/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,509
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$631/mo
Today · 4.125%
HK$24,452
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,904/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$791/mo
Today · 4.125%
HK$26,593
baseline
▲ 0.50% · 4.625%
HK$28,211
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,186/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$757/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$30,889
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$923/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,913
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,349
−HK$884/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,186/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,137/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,498 · 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).