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$21,022
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$665/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,682/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$637/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$797/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$764/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,347
−HK$930/mo
Today · 4.125%
HK$31,277
baseline
▲ 0.50% · 4.625%
HK$33,180
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,554/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$891/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,196/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,660
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,145/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$46,710
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,929 · 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).