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$21,036
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$665/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,715
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,402
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$636/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$798/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,458
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,836
−HK$764/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,450
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,366
−HK$931/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$33,201
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,641
−HK$892/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,353
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,864
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,042
−HK$1,197/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,687
+HK$2,448/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,124
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,253
−HK$1,146/mo
Today · 4.125%
HK$44,399
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,341/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$88,798/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,515 · 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).