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$21,065
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$666/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$638/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$799/mo
Today · 4.125%
HK$26,863
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,726/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$765/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$932/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$893/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,404
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,917
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,096
−HK$1,199/mo
Today · 4.125%
HK$40,295
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,590/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,313
−HK$1,148/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$46,805
+HK$2,344/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,795 · 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).