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$21,068
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$666/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$638/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,282
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,634/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$766/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,208
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$932/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$893/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,923
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,198/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,321
−HK$1,148/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,952 · 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).