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$20,954
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$662/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$634/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$795/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$761/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$927/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,636
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$887/mo
Today · 4.125%
HK$34,399
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,798/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,718
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,192/mo
Today · 4.125%
HK$40,083
baseline
▲ 0.50% · 4.625%
HK$42,522
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,166/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,961
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,142/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,951 · 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).