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$21,031
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$664/mo
Today · 4.125%
HK$22,350
baseline
▲ 0.50% · 4.625%
HK$23,710
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,700/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,397
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,025
−HK$636/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,300/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$797/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$764/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,154
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$930/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$891/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$1,820/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,034
−HK$1,197/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,679
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,115
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,145/mo
Today · 4.125%
HK$44,390
baseline
▲ 0.50% · 4.625%
HK$46,730
+HK$2,340/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,780/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,329 · 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).