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$20,831
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,479
−HK$658/mo
Today · 4.125%
HK$22,137
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,274/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$631/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,997
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,774
−HK$790/mo
Today · 4.125%
HK$26,564
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,617/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,128/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,809
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$757/mo
Today · 4.125%
HK$29,311
baseline
▲ 0.50% · 4.625%
HK$30,856
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,622/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,163
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$922/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$882/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,495
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,185/mo
Today · 4.125%
HK$39,846
baseline
▲ 0.50% · 4.625%
HK$42,271
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,692/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,713
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,135/mo
Today · 4.125%
HK$43,967
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,317/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,934/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,521 · 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).