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$21,022
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$665/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$637/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$798/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,439
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$764/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,139
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$930/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$891/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,196/mo
Today · 4.125%
HK$40,212
baseline
▲ 0.50% · 4.625%
HK$42,658
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,424/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,224
−HK$1,145/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$46,708
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,892 · 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).