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$20,823
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$658/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,346/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$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$630/mo
Today · 4.125%
HK$24,417
baseline
▲ 0.50% · 4.625%
HK$25,704
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,834/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$790/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$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,799
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$757/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$30,845
+HK$1,544/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$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$922/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$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$882/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,482
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,184/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,698
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,135/mo
Today · 4.125%
HK$43,951
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,902/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,194 · 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).