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$23,736
+HK$1,362/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$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$637/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$798/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,483
+HK$1,634/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$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$764/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,187
+HK$1,562/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$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$931/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$892/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,385
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,897
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,198/mo
Today · 4.125%
HK$40,274
baseline
▲ 0.50% · 4.625%
HK$42,724
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,548/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,147/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$46,781
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,322 · 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).