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$20,943
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$661/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$634/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,294/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$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$795/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,333
+HK$1,625/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$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,959
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$760/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,023
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$927/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$888/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,698
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,192/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,499
+HK$2,437/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,141/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,534
+HK$2,330/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,453 · 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).