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$1,306/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$658/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,056 · 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$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$790/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,794
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$756/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$921/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$882/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,642
−HK$1,184/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,134/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,888/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,056 · 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).