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$20,986
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$663/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$635/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$796/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$763/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,086
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$929/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$33,123
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$889/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,193/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,443/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,143/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,629
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,333 · 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).