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$21,063
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$666/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$637/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$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,062
−HK$798/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,635/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$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,119
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$765/mo
Today · 4.125%
HK$29,638
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,276/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$932/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$33,244
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,685
−HK$893/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,198/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,742
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,178
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,309
−HK$1,148/mo
Today · 4.125%
HK$44,457
baseline
▲ 0.50% · 4.625%
HK$46,800
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,914/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,708 · 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).