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$20,924
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$661/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,589
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$633/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$793/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,307
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$760/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,293
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$925/mo
Today · 4.125%
HK$31,130
baseline
▲ 0.50% · 4.625%
HK$33,025
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,260/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,589
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$886/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,160
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,663
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,191/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,460
+HK$2,435/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,900
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,140/mo
Today · 4.125%
HK$44,163
baseline
▲ 0.50% · 4.625%
HK$46,491
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,326/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,609 · 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).