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$20,930
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,581
−HK$662/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,353/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$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,909
−HK$634/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,293/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$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$793/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,691
−HK$760/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,302
−HK$1,838/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$287,892 · 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$36,171
+HK$1,811/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$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,674
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,846
−HK$1,191/mo
Today · 4.125%
HK$40,037
baseline
▲ 0.50% · 4.625%
HK$42,473
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,074/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,912
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,140/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,329/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,892 · 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).