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$20,933
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$662/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,599
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$634/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$794/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,319
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,945
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$760/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,306
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$926/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$887/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,680
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,190/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,479
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,141/mo
Today · 4.125%
HK$44,183
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,366/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,014 · 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).