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$20,968
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$662/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$634/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,162
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$795/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$762/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,060
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$928/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,534
−HK$888/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,917
−HK$1,193/mo
Today · 4.125%
HK$40,110
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,440/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,220/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,989
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,115
−HK$1,142/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,590
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,561 · 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).