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$20,856
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$659/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,513
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$631/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,028
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$791/mo
Today · 4.125%
HK$26,597
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,618/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,194/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,843
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$757/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$30,894
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$923/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,918
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,483
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,355
−HK$883/mo
Today · 4.125%
HK$34,238
baseline
▲ 0.50% · 4.625%
HK$36,043
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,476/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,187/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,427/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,764
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,884
−HK$1,137/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,320/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,648 · 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).