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$20,984
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$663/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$635/mo
Today · 4.125%
HK$24,606
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,212/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,181
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$796/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$762/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,378
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,292
−HK$928/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,559
−HK$889/mo
Today · 4.125%
HK$34,448
baseline
▲ 0.50% · 4.625%
HK$36,264
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,896/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,771
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,194/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,143/mo
Today · 4.125%
HK$44,290
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,580/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,251 · 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).