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$21,605
−HK$663/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,354/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$288,914 · 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$25,865
+HK$1,295/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$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,144
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$795/mo
Today · 4.125%
HK$26,721
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,626/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$53,442/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$761/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,038
+HK$1,554/mo
Deposit HK$3.68M · loan HK$5.51M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$928/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,896/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$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,510
−HK$888/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,716
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,192/mo
Today · 4.125%
HK$40,082
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,438/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$288,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,959
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,084
−HK$1,142/mo
Today · 4.125%
HK$44,226
baseline
▲ 0.50% · 4.625%
HK$46,557
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,452/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,914 · 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).