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$20,967
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$663/mo
Today · 4.125%
HK$22,282
baseline
▲ 0.50% · 4.625%
HK$23,638
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,564/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$635/mo
Today · 4.125%
HK$24,586
baseline
▲ 0.50% · 4.625%
HK$25,882
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,172/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$795/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,991
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$761/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$928/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,656
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$888/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,192/mo
Today · 4.125%
HK$40,107
baseline
▲ 0.50% · 4.625%
HK$42,548
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,214/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,986
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,143/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,332/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,507 · 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).