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$20,847
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$659/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$631/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,017
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,795
−HK$791/mo
Today · 4.125%
HK$26,586
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,172/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,831
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$757/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$923/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$883/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,186/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$42,305
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,747
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,136/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,261 · 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).