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$21,009
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$664/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$636/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,211
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$796/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,422
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,799
−HK$763/mo
Today · 4.125%
HK$29,562
baseline
▲ 0.50% · 4.625%
HK$31,120
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,124/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$930/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,598
−HK$891/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,195/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,070
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,198
−HK$1,145/mo
Today · 4.125%
HK$44,343
baseline
▲ 0.50% · 4.625%
HK$46,680
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,686/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,334 · 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).