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$20,944
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$662/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$633/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$25,853
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,914
−HK$794/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$761/mo
Today · 4.125%
HK$29,470
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,940/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$927/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$888/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,194
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,871
−HK$1,192/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,437/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,939
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,064
−HK$1,141/mo
Today · 4.125%
HK$44,205
baseline
▲ 0.50% · 4.625%
HK$46,535
+HK$2,330/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$88,410/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,479 · 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).