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$20,861
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$660/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,518
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,208
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$632/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,034
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$791/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,850
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$757/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,206
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$923/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,926
+HK$1,889/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,363
−HK$884/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,718
−HK$1,187/mo
Today · 4.125%
HK$39,905
baseline
▲ 0.50% · 4.625%
HK$42,333
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,810/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,774
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,895
−HK$1,136/mo
Today · 4.125%
HK$44,031
baseline
▲ 0.50% · 4.625%
HK$46,352
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,062/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,868 · 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).