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$20,820
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$658/mo
Today · 4.125%
HK$22,125
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,250/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,162
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$630/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,700
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$789/mo
Today · 4.125%
HK$26,550
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,100/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$756/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$921/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,296
−HK$882/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,184/mo
Today · 4.125%
HK$39,825
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,650/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,691
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,134/mo
Today · 4.125%
HK$43,943
baseline
▲ 0.50% · 4.625%
HK$46,260
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,886/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,037 · 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).