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$1,307/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$659/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$630/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,288/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$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,995
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$790/mo
Today · 4.125%
HK$26,563
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,126/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,807
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$756/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,161
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$922/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,875
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$882/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$35,997
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,493
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,185/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$42,268
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,135/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,468 · 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).