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$20,970
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$662/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$635/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,947
−HK$795/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,995
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,746
−HK$762/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,063
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,272
−HK$928/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,661
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$889/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,747
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,921
−HK$1,193/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,555
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,993
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,119
−HK$1,143/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,595
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,650 · 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).