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$20,833
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$659/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$630/mo
Today · 4.125%
HK$24,429
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,858/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,000
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$790/mo
Today · 4.125%
HK$26,568
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,136/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,812
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$757/mo
Today · 4.125%
HK$29,315
baseline
▲ 0.50% · 4.625%
HK$30,860
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,630/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$922/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,318
−HK$883/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,500
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,185/mo
Today · 4.125%
HK$39,852
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,704/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,719
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,837
−HK$1,136/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,317/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,645 · 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).