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$20,928
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$661/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$633/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,114
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$793/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,939
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$760/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$925/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$33,031
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,595
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$887/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,191/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,469
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,140/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,500
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,791 · 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).