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$20,956
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$663/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,355/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$634/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$795/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$761/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,339
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,252
−HK$927/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,639
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,515
−HK$888/mo
Today · 4.125%
HK$34,403
baseline
▲ 0.50% · 4.625%
HK$36,216
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,806/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,722
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,192/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,526
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,965
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,090
−HK$1,142/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,564
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,041 · 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).