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$21,052
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$665/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,734
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,420
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$637/mo
Today · 4.125%
HK$24,686
baseline
▲ 0.50% · 4.625%
HK$25,987
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,372/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$798/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$765/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$931/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$892/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,197/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,147/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,243 · 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).