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$20,966
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$663/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$635/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$795/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$762/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$927/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$889/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,233
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,739
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,193/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,440/mo
Deposit HK$919K · loan HK$8.28M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,984
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,110
−HK$1,143/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,585
+HK$2,332/mo
Deposit HK$919K · loan HK$8.28M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,468 · 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).