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$21,001
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$664/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,358/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$636/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,298/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$797/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,411
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$763/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,316
−HK$929/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$890/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,802
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,194/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,144/mo
Today · 4.125%
HK$44,326
baseline
▲ 0.50% · 4.625%
HK$46,663
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,652/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,995 · 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).