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$20,931
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$662/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$634/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,117
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$793/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$760/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,904/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,215
−HK$926/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$887/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,676
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,191/mo
Today · 4.125%
HK$40,039
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,078/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,914
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,141/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,507
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,927 · 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).