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$21,030
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$665/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,395
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$636/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$797/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,075
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$764/mo
Today · 4.125%
HK$29,591
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,182/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$930/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$891/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,196/mo
Today · 4.125%
HK$40,227
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,454/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,146/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,256 · 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).