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$21,023
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$664/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,682/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$637/mo
Today · 4.125%
HK$24,652
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,304/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$798/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$764/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,432
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$930/mo
Today · 4.125%
HK$31,278
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,556/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,743
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$891/mo
Today · 4.125%
HK$34,512
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,024/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,842
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,195/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,146/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$46,712
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,961 · 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).