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$20,947
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$662/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,303
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$634/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$794/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$760/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$926/mo
Today · 4.125%
HK$31,164
baseline
▲ 0.50% · 4.625%
HK$33,061
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,328/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$888/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,191/mo
Today · 4.125%
HK$40,068
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,136/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,070
−HK$1,142/mo
Today · 4.125%
HK$44,212
baseline
▲ 0.50% · 4.625%
HK$46,542
+HK$2,330/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,424/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,613 · 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).