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$21,040
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$665/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,407
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$637/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,249
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$798/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,464
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$764/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,457
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,373
−HK$931/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$33,209
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,770
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,649
−HK$892/mo
Today · 4.125%
HK$34,541
baseline
▲ 0.50% · 4.625%
HK$36,361
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,082/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,051
−HK$1,197/mo
Today · 4.125%
HK$40,248
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,449/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$80,496/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,133
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,146/mo
Today · 4.125%
HK$44,409
baseline
▲ 0.50% · 4.625%
HK$46,750
+HK$2,341/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$88,818/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,722 · 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).