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$21,007
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$664/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,683
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$636/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,208
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$797/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$763/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$930/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$891/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,195/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,629
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,145/mo
Today · 4.125%
HK$44,339
baseline
▲ 0.50% · 4.625%
HK$46,676
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,678/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,252 · 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).