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$20,836
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$658/mo
Today · 4.125%
HK$22,142
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,348/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,284/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$631/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,003
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$790/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,617/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,562
−HK$756/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$30,864
+HK$1,546/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,170
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$921/mo
Today · 4.125%
HK$30,999
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$61,998/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$883/mo
Today · 4.125%
HK$34,205
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$1,803/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,410/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,185/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$42,282
+HK$2,426/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,842
−HK$1,136/mo
Today · 4.125%
HK$43,978
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,318/mo
Deposit HK$914K · loan HK$8.22M · min. income ≈ HK$87,956/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,750 · 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).