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$21,012
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$664/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,689
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$636/mo
Today · 4.125%
HK$24,639
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,278/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$797/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$764/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$930/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$890/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$1,819/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,999
−HK$1,195/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,640
+HK$2,446/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,205
−HK$1,145/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,338/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,486 · 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).