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$21,010
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$664/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$636/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$797/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$763/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,413
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$930/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,722
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$890/mo
Today · 4.125%
HK$34,490
baseline
▲ 0.50% · 4.625%
HK$36,308
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,980/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,195/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,200
−HK$1,144/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,338/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,688/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,372 · 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).