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$20,833
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$658/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$630/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,777
−HK$790/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$757/mo
Today · 4.125%
HK$29,314
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,628/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$922/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$882/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,185/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,717
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,836
−HK$1,135/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,289
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,609 · 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).