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$21,032
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$664/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,398
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$636/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$797/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,078
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$764/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,445
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,361
−HK$931/mo
Today · 4.125%
HK$31,292
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,584/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,636
−HK$891/mo
Today · 4.125%
HK$34,527
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,054/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,858
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,036
−HK$1,196/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,246
−HK$1,146/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,367 · 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).