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$21,054
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$665/mo
Today · 4.125%
HK$22,374
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,748/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$637/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$799/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$765/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$931/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$892/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,897
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,075
−HK$1,198/mo
Today · 4.125%
HK$40,273
baseline
▲ 0.50% · 4.625%
HK$42,724
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,546/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,290
−HK$1,147/mo
Today · 4.125%
HK$44,437
baseline
▲ 0.50% · 4.625%
HK$46,780
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,874/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,302 · 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).