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$20,936
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$662/mo
Today · 4.125%
HK$22,249
baseline
▲ 0.50% · 4.625%
HK$23,603
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,498/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$633/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$25,844
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$794/mo
Today · 4.125%
HK$26,699
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,398/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$760/mo
Today · 4.125%
HK$29,459
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,918/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$926/mo
Today · 4.125%
HK$31,148
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,296/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$887/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,685
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,191/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,924
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,048
−HK$1,141/mo
Today · 4.125%
HK$44,189
baseline
▲ 0.50% · 4.625%
HK$46,518
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,378/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,144 · 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).