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$20,826
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$658/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$630/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,287/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,992
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$790/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$28,175
+HK$1,616/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,803
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,549
−HK$756/mo
Today · 4.125%
HK$29,305
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,545/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,610/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$921/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,886/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,437
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$882/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$35,992
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,488
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,184/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,425/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,135/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,340 · 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).