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$20,977
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$663/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,336
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$635/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$796/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$762/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,367
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$928/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$889/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,193/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,143/mo
Today · 4.125%
HK$44,275
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,550/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,931 · 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).