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$21,028
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$665/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$637/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$25,957
+HK$1,299/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,234
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$797/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,632/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,072
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$764/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,560/mo
Deposit HK$3.69M · loan HK$5.53M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,355
−HK$931/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$33,189
+HK$1,903/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,751
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$892/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,340
+HK$1,819/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,196/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,448/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,109
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,146/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$46,723
+HK$2,339/mo
Deposit HK$922K · loan HK$8.30M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$292,186 · 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).