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$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$663/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$634/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,949
−HK$795/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,997
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$762/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$928/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,663
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$889/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,243
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,193/mo
Today · 4.125%
HK$40,116
baseline
▲ 0.50% · 4.625%
HK$42,557
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,232/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,122
−HK$1,142/mo
Today · 4.125%
HK$44,264
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,528/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,711 · 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).