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$20,947
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$634/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$794/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,326
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$927/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,625
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,500
−HK$888/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,200
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,705
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,878
−HK$1,192/mo
Today · 4.125%
HK$40,070
baseline
▲ 0.50% · 4.625%
HK$42,508
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,140/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,141/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,330/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,640 · 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).