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$20,987
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$664/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$635/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$796/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,017
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$763/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$929/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,686
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$889/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,194/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,443/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,025
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,153
−HK$1,143/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,365 · 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).