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$21,002
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$664/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,365
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$636/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,202
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$797/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,566/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$763/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,110
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$930/mo
Today · 4.125%
HK$31,247
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,494/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,710
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$890/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,295
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,194/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,619
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,056
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,144/mo
Today · 4.125%
HK$44,328
baseline
▲ 0.50% · 4.625%
HK$46,665
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,656/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,037 · 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).