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$20,938
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$662/mo
Today · 4.125%
HK$22,251
baseline
▲ 0.50% · 4.625%
HK$23,605
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,502/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$634/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$794/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,701
−HK$761/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,015
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,313
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$926/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$887/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,688
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,191/mo
Today · 4.125%
HK$40,052
baseline
▲ 0.50% · 4.625%
HK$42,489
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,104/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,928
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,052
−HK$1,141/mo
Today · 4.125%
HK$44,193
baseline
▲ 0.50% · 4.625%
HK$46,522
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,386/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,226 · 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).