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$20,994
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$664/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$636/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$25,915
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$796/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$762/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,098
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,306
−HK$929/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$33,136
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$890/mo
Today · 4.125%
HK$34,465
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,930/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,194/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,603
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,041
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,168
−HK$1,144/mo
Today · 4.125%
HK$44,312
baseline
▲ 0.50% · 4.625%
HK$46,648
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,624/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,696 · 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).