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$21,022
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$664/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$636/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$797/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$763/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$930/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$33,180
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$890/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,330
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.45M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,196/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,446/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,146/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$46,709
+HK$2,338/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,917 · 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).