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$20,985
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$663/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$635/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$795/mo
Today · 4.125%
HK$26,761
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,522/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,015
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$763/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,085
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$929/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$889/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,948
−HK$1,194/mo
Today · 4.125%
HK$40,142
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,443/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,284/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,143/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,303 · 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).