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$20,934
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,585
−HK$662/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$634/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$25,841
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$794/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$760/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$926/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,604
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$887/mo
Today · 4.125%
HK$34,366
baseline
▲ 0.50% · 4.625%
HK$36,177
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,732/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,681
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,191/mo
Today · 4.125%
HK$40,044
baseline
▲ 0.50% · 4.625%
HK$42,480
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,088/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,920
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,140/mo
Today · 4.125%
HK$44,184
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,368/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,048 · 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).