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$20,824
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$658/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$631/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$789/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$756/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,061
−HK$921/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,304
−HK$882/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,484
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,184/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$42,258
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,134/mo
Today · 4.125%
HK$43,953
baseline
▲ 0.50% · 4.625%
HK$46,270
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,906/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,249 · 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).