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$20,840
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$658/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$630/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$791/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,568
−HK$757/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,177
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,084
−HK$922/mo
Today · 4.125%
HK$31,006
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,012/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,459
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,329
−HK$883/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,016
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,513
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,185/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,426/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,852
−HK$1,135/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,306
+HK$2,319/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,949 · 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).