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$21,020
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$665/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,698
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$636/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$25,948
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$797/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,437
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$763/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,344
−HK$930/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,739
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$891/mo
Today · 4.125%
HK$34,508
baseline
▲ 0.50% · 4.625%
HK$36,327
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,016/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,195/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,145/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$46,706
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,845 · 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).