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$21,067
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$666/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$637/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$799/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$765/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,494
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$933/mo
Today · 4.125%
HK$31,344
baseline
▲ 0.50% · 4.625%
HK$33,251
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,688/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$892/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,100
−HK$1,199/mo
Today · 4.125%
HK$40,299
baseline
▲ 0.50% · 4.625%
HK$42,751
+HK$2,452/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,598/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,148/mo
Today · 4.125%
HK$44,466
baseline
▲ 0.50% · 4.625%
HK$46,810
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,932/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,894 · 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).