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$20,935
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$661/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$634/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$794/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,321
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,697
−HK$760/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,010
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,309
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$926/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,480
−HK$887/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,190/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,482
+HK$2,437/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,921
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,140/mo
Today · 4.125%
HK$44,186
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,372/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,085 · 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).