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$20,845
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$659/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$631/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$790/mo
Today · 4.125%
HK$26,583
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,166/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,828
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$757/mo
Today · 4.125%
HK$29,332
baseline
▲ 0.50% · 4.625%
HK$30,878
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,664/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,184
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$923/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,901
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$884/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,522
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,689
−HK$1,186/mo
Today · 4.125%
HK$39,875
baseline
▲ 0.50% · 4.625%
HK$42,301
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,750/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,743
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,862
−HK$1,136/mo
Today · 4.125%
HK$43,998
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,996/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,174 · 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).