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$21,066
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$666/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$638/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$798/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$765/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$932/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$893/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,199/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,749
+HK$2,452/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,316
−HK$1,147/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,344/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,844 · 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).