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$20,951
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$662/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,308
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$634/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$25,862
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,141
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,923
−HK$795/mo
Today · 4.125%
HK$26,718
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,625/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,436/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,969
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$761/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$926/mo
Today · 4.125%
HK$31,170
baseline
▲ 0.50% · 4.625%
HK$33,067
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,340/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$888/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,206
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,711
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,885
−HK$1,191/mo
Today · 4.125%
HK$40,076
baseline
▲ 0.50% · 4.625%
HK$42,515
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,152/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,954
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,079
−HK$1,141/mo
Today · 4.125%
HK$44,220
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,440/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,793 · 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).