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$1,316/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$663/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,126 · 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$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$795/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$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$762/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$929/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$889/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$1,816/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$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,941
−HK$1,193/mo
Today · 4.125%
HK$40,134
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,443/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$290,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,143/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,335/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$290,126 · 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).