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$20,962
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$662/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$635/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,295/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$794/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$762/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$928/mo
Today · 4.125%
HK$31,187
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,374/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,648
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$888/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,731
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,905
−HK$1,192/mo
Today · 4.125%
HK$40,097
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,440/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,194/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,976
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,101
−HK$1,142/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,272 · 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).