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$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$636/mo
Today · 4.125%
HK$24,646
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,292/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$797/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$763/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,559/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$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$930/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,736
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$890/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$1,819/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$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,195/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,447/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$291,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,089
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,218
−HK$1,145/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,752 · 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).