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$20,840
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$659/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,347/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,184
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$631/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,288/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$790/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,617/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$757/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$30,870
+HK$1,546/mo
Deposit HK$3.66M · loan HK$5.48M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,176
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$922/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,887/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$883/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,186/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,425/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,731
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,850
−HK$1,136/mo
Today · 4.125%
HK$43,986
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,318/mo
Deposit HK$914K · loan HK$8.23M · min. income ≈ HK$87,972/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$283,922 · 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).