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$20,939
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$662/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,919
−HK$634/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$795/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,327
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$761/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$926/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$887/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,191/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,491
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,140/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,525
+HK$2,330/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,278 · 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).