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$21,027
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$665/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,705
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,392
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$636/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$798/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$763/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$931/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$891/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,848
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,026
−HK$1,196/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,669
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,106
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,235
−HK$1,146/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$46,720
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,131 · 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).