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$20,972
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$663/mo
Today · 4.125%
HK$22,288
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,576/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,332
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$635/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$795/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$762/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$928/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$889/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,193/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,143/mo
Today · 4.125%
HK$44,266
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,532/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,741 · 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).