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$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$631/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$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,765
−HK$789/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,798
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$756/mo
Today · 4.125%
HK$29,300
baseline
▲ 0.50% · 4.625%
HK$30,844
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,600/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$921/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,431
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$882/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$35,985
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,184/mo
Today · 4.125%
HK$39,831
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,662/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,134/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,179 · 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).