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$20,946
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$662/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,302
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$634/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$794/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,963
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$760/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$926/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,623
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$888/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,198
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,703
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,876
−HK$1,191/mo
Today · 4.125%
HK$40,067
baseline
▲ 0.50% · 4.625%
HK$42,505
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,134/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,944
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,141/mo
Today · 4.125%
HK$44,210
baseline
▲ 0.50% · 4.625%
HK$46,541
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,420/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,584 · 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).