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$20,923
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,574
−HK$661/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$633/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,294/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$793/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,624/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,552/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,204
−HK$925/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$33,024
+HK$1,895/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$886/mo
Today · 4.125%
HK$34,348
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,696/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,190/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,436/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,898
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,140/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,490
+HK$2,328/mo
Deposit HK$918K · loan HK$8.26M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$287,582 · 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).