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$20,996
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$664/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$635/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,196
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$797/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$762/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,395
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$929/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,702
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,579
−HK$889/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,969
−HK$1,194/mo
Today · 4.125%
HK$40,163
baseline
▲ 0.50% · 4.625%
HK$42,607
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,326/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,173
−HK$1,143/mo
Today · 4.125%
HK$44,316
baseline
▲ 0.50% · 4.625%
HK$46,652
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,632/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,791 · 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).