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$21,062
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$665/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$638/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$799/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$765/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,487
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$931/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,804
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$893/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,399
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,198/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,148/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$46,799
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,686 · 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).