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$20,987
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$663/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$635/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,185
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$796/mo
Today · 4.125%
HK$26,764
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,528/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,018
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$762/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,088
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,382
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,296
−HK$929/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,687
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,564
−HK$889/mo
Today · 4.125%
HK$34,453
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,906/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,777
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,952
−HK$1,194/mo
Today · 4.125%
HK$40,146
baseline
▲ 0.50% · 4.625%
HK$42,589
+HK$2,443/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,292/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,026
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,154
−HK$1,143/mo
Today · 4.125%
HK$44,297
baseline
▲ 0.50% · 4.625%
HK$46,632
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,594/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,387 · 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).