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$21,039
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$665/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,361/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$637/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$798/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$764/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,208/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,455
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,371
−HK$931/mo
Today · 4.125%
HK$31,302
baseline
▲ 0.50% · 4.625%
HK$33,206
+HK$1,904/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,604/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$891/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,048
−HK$1,197/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,449/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,130
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,260
−HK$1,147/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$46,747
+HK$2,340/mo
Deposit HK$923K · loan HK$8.30M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,663 · 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).