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$20,831
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,479
−HK$659/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,796
−HK$631/mo
Today · 4.125%
HK$24,427
baseline
▲ 0.50% · 4.625%
HK$25,714
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,854/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,775
−HK$790/mo
Today · 4.125%
HK$26,565
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,617/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,130/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$756/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,071
−HK$922/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,315
−HK$883/mo
Today · 4.125%
HK$34,198
baseline
▲ 0.50% · 4.625%
HK$36,000
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,396/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,185/mo
Today · 4.125%
HK$39,848
baseline
▲ 0.50% · 4.625%
HK$42,273
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,696/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,715
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,135/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,286
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,557 · 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).