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$20,957
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$662/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,627
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,315
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,940
−HK$634/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$795/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,352
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$761/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,340
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$927/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$33,077
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,641
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$888/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,193/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,142/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,074 · 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).