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$21,008
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$664/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$636/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$797/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$763/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$930/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$33,158
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$891/mo
Today · 4.125%
HK$34,488
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,976/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,195/mo
Today · 4.125%
HK$40,186
baseline
▲ 0.50% · 4.625%
HK$42,631
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,372/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,144/mo
Today · 4.125%
HK$44,341
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,338/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,682/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,308 · 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).