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$20,996
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$663/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$636/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$796/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,781
−HK$763/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,308
−HK$929/mo
Today · 4.125%
HK$31,237
baseline
▲ 0.50% · 4.625%
HK$33,138
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,474/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$889/mo
Today · 4.125%
HK$34,467
baseline
▲ 0.50% · 4.625%
HK$36,284
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,934/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,194/mo
Today · 4.125%
HK$40,162
baseline
▲ 0.50% · 4.625%
HK$42,606
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,324/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,044
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,171
−HK$1,144/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$46,651
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,767 · 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).