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$20,855
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$659/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$631/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,804
−HK$791/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,841
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$758/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$30,892
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$922/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,352
−HK$883/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,186/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$42,320
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,761
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,136/mo
Today · 4.125%
HK$44,017
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,320/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,034/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,571 · 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).