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$21,041
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$665/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,361/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$292,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$637/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,301/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$292,737 · 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$28,465
+HK$1,633/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$292,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$765/mo
Today · 4.125%
HK$29,607
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,214/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,737 · 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$292,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$891/mo
Today · 4.125%
HK$34,541
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$1,821/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$292,737 · 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$292,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,146/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,341/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,737 · 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).