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$20,956
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$662/mo
Today · 4.125%
HK$22,270
baseline
▲ 0.50% · 4.625%
HK$23,625
+HK$1,355/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,540/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$635/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$25,868
+HK$1,295/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$795/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$761/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$927/mo
Today · 4.125%
HK$31,178
baseline
▲ 0.50% · 4.625%
HK$33,075
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,356/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,514
−HK$888/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,720
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,192/mo
Today · 4.125%
HK$40,086
baseline
▲ 0.50% · 4.625%
HK$42,525
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,172/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,964
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,089
−HK$1,142/mo
Today · 4.125%
HK$44,231
baseline
▲ 0.50% · 4.625%
HK$46,562
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,462/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,011 · 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).