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$21,048
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$665/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,729
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$637/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$799/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,099
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$764/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$931/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$892/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,375
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,197/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,279
−HK$1,147/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,057 · 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).