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$21,018
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$664/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,695
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,382
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$636/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,221
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$797/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$764/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,425
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$930/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,735
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$891/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$1,818/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,196/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,088
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,145/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$46,700
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,735 · 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).