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$21,047
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$666/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$798/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$764/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,382
−HK$931/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$892/mo
Today · 4.125%
HK$34,551
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,102/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,197/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,147/mo
Today · 4.125%
HK$44,423
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,846/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,002 · 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).