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$20,948
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,355/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$634/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$795/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,339
+HK$1,625/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,965
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$761/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,553/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$927/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$887/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,191/mo
Today · 4.125%
HK$40,070
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,439/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,140/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,142/mo
Today · 4.125%
HK$44,214
baseline
▲ 0.50% · 4.625%
HK$46,544
+HK$2,330/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,428/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,656 · 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).