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$20,843
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$659/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$631/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,729
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,011
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$791/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,825
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$757/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$922/mo
Today · 4.125%
HK$31,010
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,020/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,463
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$883/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,186/mo
Today · 4.125%
HK$39,870
baseline
▲ 0.50% · 4.625%
HK$42,296
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,740/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,738
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,857
−HK$1,135/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,060 · 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).