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$21,017
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$664/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,381
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$636/mo
Today · 4.125%
HK$24,644
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,288/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$797/mo
Today · 4.125%
HK$26,802
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,604/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$763/mo
Today · 4.125%
HK$29,573
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,146/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$930/mo
Today · 4.125%
HK$31,269
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,902/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,538/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$891/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,321
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,830
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,007
−HK$1,196/mo
Today · 4.125%
HK$40,203
baseline
▲ 0.50% · 4.625%
HK$42,649
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,406/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,086
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,215
−HK$1,145/mo
Today · 4.125%
HK$44,360
baseline
▲ 0.50% · 4.625%
HK$46,698
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,720/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,691 · 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).