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$21,008
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$664/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$636/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$796/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$763/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$930/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$890/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,305
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,814
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,195/mo
Today · 4.125%
HK$40,186
baseline
▲ 0.50% · 4.625%
HK$42,631
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,372/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,068
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,196
−HK$1,145/mo
Today · 4.125%
HK$44,341
baseline
▲ 0.50% · 4.625%
HK$46,678
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,682/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,301 · 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).