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$20,925
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$662/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,591
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,904
−HK$633/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$793/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$760/mo
Today · 4.125%
HK$29,444
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,888/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$926/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$33,027
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$887/mo
Today · 4.125%
HK$34,352
baseline
▲ 0.50% · 4.625%
HK$36,163
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,704/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,666
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,191/mo
Today · 4.125%
HK$40,028
baseline
▲ 0.50% · 4.625%
HK$42,463
+HK$2,435/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,056/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,903
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,027
−HK$1,140/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,495
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,677 · 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).