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$21,043
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$665/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$637/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$798/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$765/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,460
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$931/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$33,212
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$892/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,877
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,197/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,702
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,138
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,268
−HK$1,147/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,829 · 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).