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$20,980
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$663/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$635/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$25,898
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$796/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,008
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$762/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$928/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$889/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,764
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,193/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,264/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,012
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,143/mo
Today · 4.125%
HK$44,282
baseline
▲ 0.50% · 4.625%
HK$46,616
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,564/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,080 · 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).