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$20,839
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$658/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,184
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$631/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$790/mo
Today · 4.125%
HK$26,575
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,150/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$757/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,175
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$922/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$884/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,511
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,185/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,850
−HK$1,135/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,318/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,904 · 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).