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$20,942
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,593
−HK$662/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,609
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$633/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$25,851
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,130
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$794/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$761/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,319
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$926/mo
Today · 4.125%
HK$31,157
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,314/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,492
−HK$887/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,191
+HK$1,812/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,696
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,191/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,497
+HK$2,438/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,141/mo
Today · 4.125%
HK$44,202
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,330/mo
Deposit HK$918K · loan HK$8.27M · min. income ≈ HK$88,404/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,405 · 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).