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$21,021
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$664/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$636/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$25,948
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$797/mo
Today · 4.125%
HK$26,807
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,614/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$763/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,138
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$930/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$891/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,196/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,146/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,874 · 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).