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$20,821
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$658/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,346/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,163
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$631/mo
Today · 4.125%
HK$24,415
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,830/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$790/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,796
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$757/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$30,842
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$921/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$883/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,184/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,424/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,134/mo
Today · 4.125%
HK$43,946
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,892/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,102 · 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).