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$21,064
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$665/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$637/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$798/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$765/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,202
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$932/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$892/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,403
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,916
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,095
−HK$1,199/mo
Today · 4.125%
HK$40,294
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,452/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,588/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,181
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,313
−HK$1,147/mo
Today · 4.125%
HK$44,460
baseline
▲ 0.50% · 4.625%
HK$46,804
+HK$2,344/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,920/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,777 · 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).