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$21,069
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$666/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$638/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$799/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$765/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$932/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$893/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,925
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,199/mo
Today · 4.125%
HK$40,303
baseline
▲ 0.50% · 4.625%
HK$42,755
+HK$2,452/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,606/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,191
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,148/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,989 · 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).