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$21,056
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$666/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$638/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,268
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,054
−HK$798/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,486
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$765/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$931/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$893/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,198/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,165
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,147/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,420 · 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).