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$20,878
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$660/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$632/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$791/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$758/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,229
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$924/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,952
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$885/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,188/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,367
+HK$2,430/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,807
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,137/mo
Today · 4.125%
HK$44,066
baseline
▲ 0.50% · 4.625%
HK$46,389
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,132/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,592 · 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).