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$20,967
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$662/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$634/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$796/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,990
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$761/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$928/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,898/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$888/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,740
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,914
−HK$1,192/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,547
+HK$2,441/mo
Deposit HK$919K · loan HK$8.28M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,985
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,142/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,586
+HK$2,333/mo
Deposit HK$919K · loan HK$8.28M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,481 · 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).