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$21,004
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$664/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,367
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$636/mo
Today · 4.125%
HK$24,629
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,258/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$796/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$763/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$930/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$890/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,983
−HK$1,195/mo
Today · 4.125%
HK$40,178
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,356/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,060
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,145/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$46,669
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,666/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,127 · 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).