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$20,999
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$664/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$636/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$796/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,786
−HK$762/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,399
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,313
−HK$929/mo
Today · 4.125%
HK$31,242
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,484/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,706
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$890/mo
Today · 4.125%
HK$34,473
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,946/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,974
−HK$1,195/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,178
−HK$1,144/mo
Today · 4.125%
HK$44,322
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,644/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,914 · 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).