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$20,874
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$660/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$631/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,049
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$791/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,239
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$758/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$30,920
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$924/mo
Today · 4.125%
HK$31,056
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,112/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$884/mo
Today · 4.125%
HK$34,267
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,534/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,188/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,138/mo
Today · 4.125%
HK$44,058
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,116/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,413 · 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).