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$20,859
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$659/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$631/mo
Today · 4.125%
HK$24,459
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,918/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,031
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$791/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$758/mo
Today · 4.125%
HK$29,351
baseline
▲ 0.50% · 4.625%
HK$30,898
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,702/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,202
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$923/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,487
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$884/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,048
+HK$1,805/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,186/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,328
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,769
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,136/mo
Today · 4.125%
HK$44,026
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,321/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,052/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,760 · 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).