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$21,036
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$664/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$637/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,243
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$797/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,083
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,836
−HK$764/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,161
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$931/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,642
−HK$892/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,865
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,043
−HK$1,197/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,688
+HK$2,448/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,254
−HK$1,146/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$46,741
+HK$2,341/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,537 · 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).