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$20,872
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$660/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$632/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,047
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,826
−HK$791/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$758/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$30,918
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$923/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$884/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,187/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,137/mo
Today · 4.125%
HK$44,054
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,108/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,343 · 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).