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$20,829
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$658/mo
Today · 4.125%
HK$22,135
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,270/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,172
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$631/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$790/mo
Today · 4.125%
HK$26,562
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,124/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$756/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$922/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$883/mo
Today · 4.125%
HK$34,193
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,386/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,492
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,185/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,134/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,318/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,433 · 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).