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$20,873
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$659/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$632/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$792/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,239
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$758/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$923/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,110/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$884/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,572
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,187/mo
Today · 4.125%
HK$39,928
baseline
▲ 0.50% · 4.625%
HK$42,358
+HK$2,430/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,856/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,920
−HK$1,137/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,379
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,398 · 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).