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$20,925
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$662/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$633/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$25,829
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$793/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,308
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$760/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,294
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,206
−HK$925/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,590
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,464
−HK$886/mo
Today · 4.125%
HK$34,350
baseline
▲ 0.50% · 4.625%
HK$36,161
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,700/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,664
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,190/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,901
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,025
−HK$1,140/mo
Today · 4.125%
HK$44,165
baseline
▲ 0.50% · 4.625%
HK$46,493
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,330/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,642 · 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).