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$20,993
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$663/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$636/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$796/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$763/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$929/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$890/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,279
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,194/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,599
+HK$2,443/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,165
−HK$1,143/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,621 · 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).