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$20,862
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$659/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,519
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$632/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,813
−HK$791/mo
Today · 4.125%
HK$26,604
baseline
▲ 0.50% · 4.625%
HK$28,223
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,208/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$757/mo
Today · 4.125%
HK$29,355
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,710/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,207
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$923/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$884/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,187/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,335
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,136/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,905 · 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).