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$21,063
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$665/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$638/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$799/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$766/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,201
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$932/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$892/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,914
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,199/mo
Today · 4.125%
HK$40,292
baseline
▲ 0.50% · 4.625%
HK$42,743
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,584/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,179
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,310
−HK$1,148/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,728 · 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).