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$20,870
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$660/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$631/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$792/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$758/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$923/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,940
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$884/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,187/mo
Today · 4.125%
HK$39,922
baseline
▲ 0.50% · 4.625%
HK$42,351
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,844/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,792
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,913
−HK$1,137/mo
Today · 4.125%
HK$44,050
baseline
▲ 0.50% · 4.625%
HK$46,372
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,100/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,254 · 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).