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$20,835
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$658/mo
Today · 4.125%
HK$22,141
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,282/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,178
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$630/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,718
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,779
−HK$790/mo
Today · 4.125%
HK$26,569
baseline
▲ 0.50% · 4.625%
HK$28,186
+HK$1,617/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,138/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,814
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$757/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$921/mo
Today · 4.125%
HK$30,997
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,994/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$883/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,185/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$42,279
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,721
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,840
−HK$1,135/mo
Today · 4.125%
HK$43,975
baseline
▲ 0.50% · 4.625%
HK$46,293
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,950/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,693 · 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).