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$20,979
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$663/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$635/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$796/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,007
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$762/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,285
−HK$928/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,675
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$889/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,937
−HK$1,194/mo
Today · 4.125%
HK$40,131
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,262/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,143/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,038 · 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).