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$20,825
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$658/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$630/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$790/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$28,173
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$756/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$30,848
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$921/mo
Today · 4.125%
HK$30,983
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,966/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,304
−HK$883/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$1,802/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,184/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$42,259
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,701
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,134/mo
Today · 4.125%
HK$43,954
baseline
▲ 0.50% · 4.625%
HK$46,271
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,908/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,268 · 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).