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$20,990
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$663/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,351
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$635/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$25,910
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$796/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,773
−HK$762/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,386
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,300
−HK$929/mo
Today · 4.125%
HK$31,229
baseline
▲ 0.50% · 4.625%
HK$33,129
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,458/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,692
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$889/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,195/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,595
+HK$2,443/mo
Deposit HK$921K · loan HK$8.28M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,032
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,143/mo
Today · 4.125%
HK$44,303
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,336/mo
Deposit HK$921K · loan HK$8.28M · min. income ≈ HK$88,606/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,517 · 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).