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$21,019
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$664/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,696
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$636/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$797/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$763/mo
Today · 4.125%
HK$29,576
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,152/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$930/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$33,175
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,737
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$890/mo
Today · 4.125%
HK$34,505
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,010/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,196/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,653
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,090
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,145/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$46,703
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,783 · 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).