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$20,975
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$663/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$634/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$796/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$762/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,365
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$928/mo
Today · 4.125%
HK$31,207
baseline
▲ 0.50% · 4.625%
HK$33,106
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,414/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,669
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,545
−HK$889/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,193/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,129
−HK$1,143/mo
Today · 4.125%
HK$44,272
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,544/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,864 · 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).