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$1,307/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$659/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,509
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,254/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$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$790/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,488 · 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$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$922/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,349
−HK$883/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,187/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$284,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,757
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,136/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,488 · 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).