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$1,312/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$661/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$633/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,117
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$794/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,624/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$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$760/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,552/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$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$926/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$887/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,847
−HK$1,191/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,474
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,913
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,141/mo
Today · 4.125%
HK$44,178
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,356/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,907 · 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).