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$20,940
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$662/mo
Today · 4.125%
HK$22,253
baseline
▲ 0.50% · 4.625%
HK$23,607
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,506/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$634/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,909
−HK$794/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,328
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$760/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$927/mo
Today · 4.125%
HK$31,154
baseline
▲ 0.50% · 4.625%
HK$33,050
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,308/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$887/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,691
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,864
−HK$1,191/mo
Today · 4.125%
HK$40,055
baseline
▲ 0.50% · 4.625%
HK$42,492
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,110/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,056
−HK$1,141/mo
Today · 4.125%
HK$44,197
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,394/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,304 · 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).