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$21,000
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$664/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,362
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$635/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,200
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$796/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,786
−HK$763/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$929/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$890/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,195/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,614
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,052
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,145/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$46,660
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,939 · 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).