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$21,058
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$666/mo
Today · 4.125%
HK$22,379
baseline
▲ 0.50% · 4.625%
HK$23,741
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,758/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,056
−HK$637/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$799/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$765/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,193
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$932/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$892/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,905
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,198/mo
Today · 4.125%
HK$40,282
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,564/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,147/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,511 · 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).