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$21,006
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$664/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,995
−HK$636/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,207
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$797/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,418
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$763/mo
Today · 4.125%
HK$29,558
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,116/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$929/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$890/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,195/mo
Today · 4.125%
HK$40,182
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,444/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,364/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,192
−HK$1,144/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,205 · 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).