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$21,020
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$664/mo
Today · 4.125%
HK$22,338
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,676/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,384
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$637/mo
Today · 4.125%
HK$24,648
baseline
▲ 0.50% · 4.625%
HK$25,947
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,296/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,224
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,008
−HK$797/mo
Today · 4.125%
HK$26,805
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,610/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,061
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,814
−HK$763/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,428
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,343
−HK$930/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$33,176
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$891/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,325
+HK$1,818/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,012
−HK$1,196/mo
Today · 4.125%
HK$40,208
baseline
▲ 0.50% · 4.625%
HK$42,655
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,416/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,092
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,146/mo
Today · 4.125%
HK$44,366
baseline
▲ 0.50% · 4.625%
HK$46,704
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,732/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,813 · 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).