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$21,014
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$664/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,690
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,662/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$637/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$25,939
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$797/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,630/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,053
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$764/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,558/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$930/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$33,166
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,606
−HK$891/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,825
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,001
−HK$1,196/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,445/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,208
−HK$1,145/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,338/mo
Deposit HK$922K · loan HK$8.29M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,549 · 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).