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$20,822
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,470
−HK$658/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,474
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,164
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$630/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,764
−HK$789/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,543
−HK$756/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$30,844
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$921/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,300
−HK$882/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,480
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,184/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$42,254
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,696
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,135/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,151 · 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).