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$20,952
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,604
−HK$662/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,621
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,309
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,934
−HK$634/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$795/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,345
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,971
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,721
−HK$761/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$927/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$887/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,714
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,887
−HK$1,192/mo
Today · 4.125%
HK$40,079
baseline
▲ 0.50% · 4.625%
HK$42,517
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,158/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,956
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,142/mo
Today · 4.125%
HK$44,223
baseline
▲ 0.50% · 4.625%
HK$46,554
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,446/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,843 · 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).