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$20,865
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$659/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,212
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$632/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$791/mo
Today · 4.125%
HK$26,608
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,216/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$758/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$923/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,497
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$884/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,187/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,340
+HK$2,428/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,781
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,137/mo
Today · 4.125%
HK$44,039
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,321/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,078/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,018 · 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).