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$21,000
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$663/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$636/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$797/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$763/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,100/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$929/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,708
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$890/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,195/mo
Today · 4.125%
HK$40,171
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,342/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,053
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,144/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$46,661
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,964 · 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).