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$1,321/mo
▼ 0.25% · 3.875%
HK$21,723
−HK$666/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$638/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$799/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$765/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$933/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,907/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$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$893/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,922
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,102
−HK$1,198/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,452/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,188
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,319
−HK$1,148/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,926 · 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).