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$20,954
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$662/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,936
−HK$634/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,296/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$795/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,625/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$762/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$927/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,897/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,350/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$888/mo
Today · 4.125%
HK$34,399
baseline
▲ 0.50% · 4.625%
HK$36,212
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,798/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,717
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,192/mo
Today · 4.125%
HK$40,082
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,164/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,085
−HK$1,142/mo
Today · 4.125%
HK$44,227
baseline
▲ 0.50% · 4.625%
HK$46,558
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,454/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,930 · 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).