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$21,043
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$665/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,724
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$637/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$798/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$764/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$931/mo
Today · 4.125%
HK$31,308
baseline
▲ 0.50% · 4.625%
HK$33,213
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,616/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$892/mo
Today · 4.125%
HK$34,546
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,092/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,056
−HK$1,197/mo
Today · 4.125%
HK$40,253
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,506/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,269
−HK$1,147/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,853 · 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).