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$20,965
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$663/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$635/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$795/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$761/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$928/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$888/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,193/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,143/mo
Today · 4.125%
HK$44,251
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,502/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,425 · 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).