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$21,025
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$665/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$637/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$797/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$764/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$930/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,746
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,624
−HK$891/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,845
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,022
−HK$1,196/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,231
−HK$1,146/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,048 · 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).