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$20,991
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$663/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,352
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$635/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,298/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$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$796/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,629/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$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$762/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$929/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,693
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$890/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,275
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,783
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,194/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,444/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$290,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,161
−HK$1,143/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$46,640
+HK$2,336/mo
Deposit HK$921K · loan HK$8.28M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,537 · 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).