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$21,050
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,704
−HK$666/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,417
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$638/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$798/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,477
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$764/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,386
−HK$931/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$892/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,197/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,151
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,147/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,122 · 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).