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$20,941
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$662/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,297
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$634/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$25,850
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,129
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$794/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,706
−HK$760/mo
Today · 4.125%
HK$29,466
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,932/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$927/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,615
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$887/mo
Today · 4.125%
HK$34,377
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,754/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,694
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,191/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,438/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,141/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,330/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,359 · 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).