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$21,024
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$664/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,684/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$637/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$797/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$763/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$930/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$891/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,333
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,020
−HK$1,196/mo
Today · 4.125%
HK$40,216
baseline
▲ 0.50% · 4.625%
HK$42,664
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,432/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,100
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,229
−HK$1,146/mo
Today · 4.125%
HK$44,375
baseline
▲ 0.50% · 4.625%
HK$46,714
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,750/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,005 · 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).