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$21,045
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$665/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$637/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,254
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$798/mo
Today · 4.125%
HK$26,838
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,676/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,095
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$764/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$931/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,657
−HK$892/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,197/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,707
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,273
−HK$1,147/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$46,761
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,936 · 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).