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$20,855
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$659/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$631/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,805
−HK$791/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$28,214
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,589
−HK$757/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,198
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$923/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,482
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$884/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,540
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,708
−HK$1,186/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$42,321
+HK$2,427/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,883
−HK$1,136/mo
Today · 4.125%
HK$44,019
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,320/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,038/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,611 · 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).