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$20,983
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$663/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$636/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$796/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$762/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,376
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$928/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,681
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$889/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,262
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,769
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,194/mo
Today · 4.125%
HK$40,138
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,276/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,018
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,143/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,203 · 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).