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$20,953
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,604
−HK$663/mo
Today · 4.125%
HK$22,267
baseline
▲ 0.50% · 4.625%
HK$23,621
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,534/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,310
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$634/mo
Today · 4.125%
HK$24,569
baseline
▲ 0.50% · 4.625%
HK$25,864
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,138/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$795/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,346
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$761/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$927/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,634
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$888/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,715
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,192/mo
Today · 4.125%
HK$40,080
baseline
▲ 0.50% · 4.625%
HK$42,519
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,160/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,957
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,083
−HK$1,141/mo
Today · 4.125%
HK$44,224
baseline
▲ 0.50% · 4.625%
HK$46,555
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,448/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,875 · 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).