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$20,975
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$663/mo
Today · 4.125%
HK$22,290
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,580/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$635/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$795/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$762/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$928/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$889/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,193/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,002
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,128
−HK$1,143/mo
Today · 4.125%
HK$44,271
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,542/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,849 · 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).