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$21,056
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$665/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,424
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$637/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$799/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,109
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$765/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,256/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$932/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$892/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,197/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,728
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,164
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,147/mo
Today · 4.125%
HK$44,442
baseline
▲ 0.50% · 4.625%
HK$46,785
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,884/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,400 · 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).