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$21,035
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$665/mo
Today · 4.125%
HK$22,354
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,708/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$636/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$798/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$764/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$930/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,761
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$891/mo
Today · 4.125%
HK$34,531
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,062/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,863
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,197/mo
Today · 4.125%
HK$40,237
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,474/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,146/mo
Today · 4.125%
HK$44,398
baseline
▲ 0.50% · 4.625%
HK$46,738
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,796/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,478 · 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).