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$20,882
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$660/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,542
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$632/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,777
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$792/mo
Today · 4.125%
HK$26,630
baseline
▲ 0.50% · 4.625%
HK$28,250
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,260/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,877
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$759/mo
Today · 4.125%
HK$29,384
baseline
▲ 0.50% · 4.625%
HK$30,932
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,768/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,235
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$924/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,524
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$885/mo
Today · 4.125%
HK$34,281
baseline
▲ 0.50% · 4.625%
HK$36,088
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,562/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,588
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,188/mo
Today · 4.125%
HK$39,945
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,890/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,938
−HK$1,137/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,783 · 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).