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$20,959
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$662/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$635/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,295/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$761/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$927/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$888/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,726
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,192/mo
Today · 4.125%
HK$40,092
baseline
▲ 0.50% · 4.625%
HK$42,532
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,184/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,142/mo
Today · 4.125%
HK$44,238
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,476/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,159 · 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).