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$20,931
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$661/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$633/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$25,838
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$794/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$760/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$926/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,475
−HK$887/mo
Today · 4.125%
HK$34,362
baseline
▲ 0.50% · 4.625%
HK$36,173
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,724/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,849
−HK$1,190/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,915
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,039
−HK$1,140/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,944 · 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).