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$20,940
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$661/mo
Today · 4.125%
HK$22,253
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,506/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$634/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,128
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,910
−HK$794/mo
Today · 4.125%
HK$26,704
baseline
▲ 0.50% · 4.625%
HK$28,329
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,408/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,955
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$760/mo
Today · 4.125%
HK$29,465
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,930/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$927/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,896/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,614
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$887/mo
Today · 4.125%
HK$34,376
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$1,812/mo
Deposit HK$2.75M · loan HK$6.43M · min. income ≈ HK$68,752/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,191/mo
Today · 4.125%
HK$40,056
baseline
▲ 0.50% · 4.625%
HK$42,494
+HK$2,438/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,112/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,141/mo
Today · 4.125%
HK$44,198
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,330/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,396/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,333 · 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).