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$20,851
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$659/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,197
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$631/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,021
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$790/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$757/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$922/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$884/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,532
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,186/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,754
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,874
−HK$1,136/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,422 · 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).