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$1,306/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$658/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,476
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$630/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$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$790/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$757/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$922/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$882/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$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,483
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,185/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$42,257
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,818
−HK$1,134/mo
Today · 4.125%
HK$43,952
baseline
▲ 0.50% · 4.625%
HK$46,269
+HK$2,317/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$283,228 · 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).