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$20,955
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$662/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$634/mo
Today · 4.125%
HK$24,572
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,144/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$794/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$762/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$927/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$888/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,720
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,192/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,963
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,142/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,991 · 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).