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$20,961
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$663/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,355/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$634/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$795/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$761/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$927/mo
Today · 4.125%
HK$31,186
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,372/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$888/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,193/mo
Today · 4.125%
HK$40,097
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,194/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,142/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,256 · 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).