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$21,015
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$664/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$636/mo
Today · 4.125%
HK$24,642
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,284/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$797/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$763/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,337
−HK$929/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$33,169
+HK$1,903/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$890/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,318
+HK$1,819/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,998/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,827
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,004
−HK$1,196/mo
Today · 4.125%
HK$40,200
baseline
▲ 0.50% · 4.625%
HK$42,646
+HK$2,446/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$80,400/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,083
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,145/mo
Today · 4.125%
HK$44,356
baseline
▲ 0.50% · 4.625%
HK$46,694
+HK$2,338/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$88,712/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,619 · 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).