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$20,929
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$661/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$633/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,896
−HK$793/mo
Today · 4.125%
HK$26,689
baseline
▲ 0.50% · 4.625%
HK$28,313
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,378/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$760/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,212
−HK$926/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$886/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,168
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,672
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,844
−HK$1,190/mo
Today · 4.125%
HK$40,034
baseline
▲ 0.50% · 4.625%
HK$42,470
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,068/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,910
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,034
−HK$1,140/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,502
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,827 · 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).