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$20,950
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$663/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$634/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,140
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$794/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,342
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,968
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$761/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$927/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$888/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,191/mo
Today · 4.125%
HK$40,074
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,148/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,952
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,077
−HK$1,141/mo
Today · 4.125%
HK$44,218
baseline
▲ 0.50% · 4.625%
HK$46,549
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,436/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,749 · 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).