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$20,922
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$661/mo
Today · 4.125%
HK$22,234
baseline
▲ 0.50% · 4.625%
HK$23,587
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,468/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$633/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$25,827
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$793/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,931
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$760/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,202
−HK$926/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,586
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$887/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,157
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,190/mo
Today · 4.125%
HK$40,022
baseline
▲ 0.50% · 4.625%
HK$42,457
+HK$2,435/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,044/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,897
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,020
−HK$1,140/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,488
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,546 · 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).