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$21,064
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$666/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,062
−HK$637/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,276
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$798/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,496
+HK$1,635/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$765/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,201
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$932/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$893/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,915
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,198/mo
Today · 4.125%
HK$40,292
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,452/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,584/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,180
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,147/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,344/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,740 · 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).