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$20,943
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$662/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$634/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$794/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$761/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$926/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$887/mo
Today · 4.125%
HK$34,380
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,760/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,697
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,191/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,499
+HK$2,438/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,938
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,141/mo
Today · 4.125%
HK$44,203
baseline
▲ 0.50% · 4.625%
HK$46,533
+HK$2,330/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$88,406/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,440 · 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).