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$1,318/mo
▼ 0.25% · 3.875%
HK$21,658
−HK$664/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,367
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$636/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$25,928
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$797/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,793
−HK$763/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$929/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,902/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$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$890/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,195/mo
Today · 4.125%
HK$40,179
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,358/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,144/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,337/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$291,145 · 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).