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$20,964
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$662/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,947
−HK$635/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$795/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,737
−HK$761/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$927/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$33,087
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$888/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,734
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,908
−HK$1,193/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,979
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,105
−HK$1,142/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,580
+HK$2,333/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,352 · 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).