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$20,830
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$658/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$631/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,996
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$790/mo
Today · 4.125%
HK$26,563
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,126/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,807
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$757/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$30,855
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,162
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,069
−HK$921/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,312
−HK$883/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$35,997
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,660
−HK$1,185/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,830
−HK$1,135/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,484 · 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).