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$21,045
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$665/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$637/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,254
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$798/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$764/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$931/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,777
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,656
−HK$892/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,880
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,197/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,449/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,512/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,142
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,146/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$46,760
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,908 · 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).