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$20,850
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$659/mo
Today · 4.125%
HK$22,157
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,314/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$631/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$791/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,834
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$757/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$922/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,344
−HK$884/mo
Today · 4.125%
HK$34,228
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,456/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,186/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,751
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,136/mo
Today · 4.125%
HK$44,007
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,014/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,362 · 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).