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$20,932
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$662/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$634/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,900
−HK$794/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$760/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,305
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$927/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$33,038
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,476
−HK$887/mo
Today · 4.125%
HK$34,363
baseline
▲ 0.50% · 4.625%
HK$36,174
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,726/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,678
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,190/mo
Today · 4.125%
HK$40,040
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,080/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,040
−HK$1,141/mo
Today · 4.125%
HK$44,181
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,362/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,971 · 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).