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$20,842
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$659/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$631/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,010
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$791/mo
Today · 4.125%
HK$26,579
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,158/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$757/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$30,873
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$922/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$884/mo
Today · 4.125%
HK$34,215
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,430/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,186/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$42,294
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,735
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,855
−HK$1,135/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,309
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,013 · 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).