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$20,955
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$662/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$634/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,296/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$795/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$761/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$927/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$888/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,192/mo
Today · 4.125%
HK$40,084
baseline
▲ 0.50% · 4.625%
HK$42,523
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,168/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,142/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,560
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,967 · 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).