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$20,958
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$662/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,316
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$634/mo
Today · 4.125%
HK$24,575
baseline
▲ 0.50% · 4.625%
HK$25,871
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,150/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$795/mo
Today · 4.125%
HK$26,727
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,454/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$762/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,045
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$927/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,642
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$889/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,219
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,898
−HK$1,192/mo
Today · 4.125%
HK$40,090
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,180/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,968
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,142/mo
Today · 4.125%
HK$44,236
baseline
▲ 0.50% · 4.625%
HK$46,568
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,472/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,115 · 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).