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$20,984
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$663/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$635/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$795/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$762/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,377
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$928/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$33,119
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,558
−HK$889/mo
Today · 4.125%
HK$34,447
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,894/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,194/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,581
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,146
−HK$1,143/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,624
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,228 · 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).