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$20,859
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$659/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,206
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$632/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,031
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$791/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$758/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$922/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,889/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,488
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$883/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$1,806/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,186/mo
Today · 4.125%
HK$39,901
baseline
▲ 0.50% · 4.625%
HK$42,329
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,802/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,771
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,136/mo
Today · 4.125%
HK$44,027
baseline
▲ 0.50% · 4.625%
HK$46,348
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,054/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,784 · 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).