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$20,971
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$663/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$634/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$795/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$761/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$927/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$889/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,241
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,922
−HK$1,193/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,994
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,120
−HK$1,143/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,675 · 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).