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$21,033
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$665/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$637/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$798/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,078
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$764/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$930/mo
Today · 4.125%
HK$31,292
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,584/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,636
−HK$892/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,348
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,859
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,036
−HK$1,197/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,681
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,247
−HK$1,146/mo
Today · 4.125%
HK$44,393
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,786/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,378 · 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).