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$20,998
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$663/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,360
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$636/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$25,919
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$796/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,031
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$763/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,103
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,397
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,311
−HK$929/mo
Today · 4.125%
HK$31,240
baseline
▲ 0.50% · 4.625%
HK$33,141
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,480/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$890/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,287
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,796
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,195/mo
Today · 4.125%
HK$40,166
baseline
▲ 0.50% · 4.625%
HK$42,610
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,332/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,047
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,144/mo
Today · 4.125%
HK$44,319
baseline
▲ 0.50% · 4.625%
HK$46,655
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,638/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,841 · 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).