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$20,959
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$662/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,355/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$634/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$761/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$927/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$888/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,726
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,899
−HK$1,193/mo
Today · 4.125%
HK$40,092
baseline
▲ 0.50% · 4.625%
HK$42,531
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,184/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,095
−HK$1,142/mo
Today · 4.125%
HK$44,237
baseline
▲ 0.50% · 4.625%
HK$46,569
+HK$2,332/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,474/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,145 · 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).