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$21,025
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$665/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,359/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$636/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$25,954
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$798/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,631/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$764/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,559/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,435
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$930/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$891/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,196/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,447/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,145/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$46,717
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,059 · 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).