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$20,960
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$662/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$635/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,295/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$795/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,981
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$761/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$927/mo
Today · 4.125%
HK$31,184
baseline
▲ 0.50% · 4.625%
HK$33,082
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,368/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,645
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$889/mo
Today · 4.125%
HK$34,409
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,818/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,192/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,972
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,142/mo
Today · 4.125%
HK$44,240
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,480/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,197 · 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).