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$20,994
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$663/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,355
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$635/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$25,915
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$796/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,778
−HK$762/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,098
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$929/mo
Today · 4.125%
HK$31,234
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,468/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,697
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,574
−HK$890/mo
Today · 4.125%
HK$34,464
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,928/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,789
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,964
−HK$1,194/mo
Today · 4.125%
HK$40,158
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,316/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,039
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,167
−HK$1,144/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$46,646
+HK$2,335/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,672 · 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).