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$20,839
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$658/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,183
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$631/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$790/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$757/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,174
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,081
−HK$922/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,456
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,326
−HK$883/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,013
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,676
−HK$1,186/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$42,287
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,848
−HK$1,135/mo
Today · 4.125%
HK$43,983
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,319/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,966/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,871 · 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).