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$20,969
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$662/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,328
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$635/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$25,885
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$795/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,994
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$761/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$928/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$889/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$1,814/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,193/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,440/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,991
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,142/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,604 · 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).