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$20,834
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$658/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,348/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$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,178
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$631/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,287/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$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$790/mo
Today · 4.125%
HK$26,568
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,617/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$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$757/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$30,861
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,167
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$922/mo
Today · 4.125%
HK$30,997
baseline
▲ 0.50% · 4.625%
HK$32,883
+HK$1,886/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$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,449
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$883/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,004
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,668
−HK$1,185/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,720
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,135/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,291
+HK$2,318/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$283,665 · 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).