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$23,706
+HK$1,360/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$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,393
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$637/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$797/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,632/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$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$764/mo
Today · 4.125%
HK$29,588
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,176/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$930/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$891/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,038/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,849
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,196/mo
Today · 4.125%
HK$40,223
baseline
▲ 0.50% · 4.625%
HK$42,670
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,446/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,146/mo
Today · 4.125%
HK$44,382
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,764/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,152 · 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).