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$20,981
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$663/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,653
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$635/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$796/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$762/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$928/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$33,114
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$889/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,258
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,940
−HK$1,194/mo
Today · 4.125%
HK$40,134
baseline
▲ 0.50% · 4.625%
HK$42,576
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,268/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,014
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,140
−HK$1,144/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,618
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,107 · 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).