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$20,879
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$660/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$632/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,773
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$792/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$759/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$924/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$885/mo
Today · 4.125%
HK$34,275
baseline
▲ 0.50% · 4.625%
HK$36,082
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,550/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,751
−HK$1,187/mo
Today · 4.125%
HK$39,938
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,876/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,809
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,137/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,391
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,632 · 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).