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$20,824
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$658/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$631/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,705
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$789/mo
Today · 4.125%
HK$26,555
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,110/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$756/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$921/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$883/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$35,987
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,482
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,185/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$42,257
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,699
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,135/mo
Today · 4.125%
HK$43,952
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,904/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,213 · 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).