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$20,851
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$659/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$632/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,021
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$791/mo
Today · 4.125%
HK$26,590
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,180/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$757/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,099
−HK$923/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$883/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,699
−HK$1,186/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,427/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,873
−HK$1,136/mo
Today · 4.125%
HK$44,009
baseline
▲ 0.50% · 4.625%
HK$46,329
+HK$2,320/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$88,018/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,407 · 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).