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$21,003
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$663/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$635/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$796/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$763/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$930/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$890/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,195/mo
Today · 4.125%
HK$40,177
baseline
▲ 0.50% · 4.625%
HK$42,621
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,354/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,059
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,144/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$46,668
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,093 · 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).