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$21,007
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$664/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$635/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,208
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$797/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$763/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$930/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$890/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,195/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,628
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,144/mo
Today · 4.125%
HK$44,338
baseline
▲ 0.50% · 4.625%
HK$46,675
+HK$2,337/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,676/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,246 · 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).