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$20,864
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$659/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$632/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,815
−HK$792/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,225
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$758/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$30,905
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$923/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,889/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,495
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$884/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,187/mo
Today · 4.125%
HK$39,910
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,820/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,137/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,358
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,975 · 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).