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$20,846
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$658/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,191
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$631/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$790/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$757/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$922/mo
Today · 4.125%
HK$31,015
baseline
▲ 0.50% · 4.625%
HK$32,902
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,030/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$884/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,523
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,690
−HK$1,186/mo
Today · 4.125%
HK$39,876
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,752/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,864
−HK$1,135/mo
Today · 4.125%
HK$43,999
baseline
▲ 0.50% · 4.625%
HK$46,319
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,998/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,205 · 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).