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$21,031
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$664/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$636/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$25,960
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,237
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$797/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$764/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,152
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$930/mo
Today · 4.125%
HK$31,289
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,578/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,633
−HK$892/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,344
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,196/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,677
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,146/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$46,729
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,295 · 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).