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$21,015
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$664/mo
Today · 4.125%
HK$22,332
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,664/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$637/mo
Today · 4.125%
HK$24,642
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,284/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$797/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,807
−HK$763/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$929/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,903/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$890/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$1,819/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,003
−HK$1,195/mo
Today · 4.125%
HK$40,198
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,446/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$80,396/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,081
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,210
−HK$1,145/mo
Today · 4.125%
HK$44,355
baseline
▲ 0.50% · 4.625%
HK$46,693
+HK$2,338/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$88,710/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,588 · 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).