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$20,923
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$662/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$633/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$25,827
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$794/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$926/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$33,023
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$886/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,661
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,190/mo
Today · 4.125%
HK$40,022
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,044/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,897
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,140/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,558 · 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).