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$1,315/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$663/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,059 · 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$25,897
+HK$1,296/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$290,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$795/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,059 · 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$31,077
+HK$1,556/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$290,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,285
−HK$928/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$889/mo
Today · 4.125%
HK$34,441
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,882/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,194/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,441/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$290,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,143/mo
Today · 4.125%
HK$44,281
baseline
▲ 0.50% · 4.625%
HK$46,615
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,562/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,059 · 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).