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$20,948
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$662/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$634/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$794/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$761/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,240
−HK$927/mo
Today · 4.125%
HK$31,167
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,334/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,627
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,502
−HK$888/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,707
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,880
−HK$1,192/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,510
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,949
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,074
−HK$1,141/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,687 · 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).