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$21,051
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$666/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$637/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,262
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$799/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$765/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$931/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$892/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,118/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,893
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,071
−HK$1,198/mo
Today · 4.125%
HK$40,269
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,538/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,155
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,286
−HK$1,147/mo
Today · 4.125%
HK$44,433
baseline
▲ 0.50% · 4.625%
HK$46,775
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,866/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,204 · 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).