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$20,837
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$658/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,181
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$631/mo
Today · 4.125%
HK$24,433
baseline
▲ 0.50% · 4.625%
HK$25,721
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,866/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,782
−HK$790/mo
Today · 4.125%
HK$26,572
baseline
▲ 0.50% · 4.625%
HK$28,189
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,144/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,817
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,563
−HK$756/mo
Today · 4.125%
HK$29,319
baseline
▲ 0.50% · 4.625%
HK$30,865
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,638/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,079
−HK$922/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$883/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,506
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,673
−HK$1,185/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$42,283
+HK$2,425/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,725
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,844
−HK$1,135/mo
Today · 4.125%
HK$43,979
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,958/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,784 · 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).