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$20,963
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$662/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,321
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$635/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$25,876
+HK$1,295/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$795/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,359
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,735
−HK$762/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,348
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$927/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$888/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,193/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,977
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,142/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,312 · 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).