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$21,012
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$664/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$636/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$796/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$929/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,903/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,603
−HK$891/mo
Today · 4.125%
HK$34,494
baseline
▲ 0.50% · 4.625%
HK$36,312
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,988/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,195/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,446/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,076
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,145/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$46,687
+HK$2,338/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,473 · 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).