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$20,995
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$663/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$635/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$797/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,403
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$763/mo
Today · 4.125%
HK$29,542
baseline
▲ 0.50% · 4.625%
HK$31,099
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,084/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,307
−HK$929/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$33,136
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,699
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,576
−HK$890/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,282
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,194/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,604
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,042
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,169
−HK$1,144/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,626/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,718 · 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).