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$20,832
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$659/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$631/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,617/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$756/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,546/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$922/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$883/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,185/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,424/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,135/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,288
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,597 · 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).