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$20,995
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$664/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,357
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$635/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$796/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$763/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,308
−HK$929/mo
Today · 4.125%
HK$31,237
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,474/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,700
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,577
−HK$890/mo
Today · 4.125%
HK$34,467
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,934/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,195/mo
Today · 4.125%
HK$40,162
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,443/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,324/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,043
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,170
−HK$1,144/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$46,650
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,747 · 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).