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$21,049
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$665/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$637/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$798/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$765/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,385
−HK$931/mo
Today · 4.125%
HK$31,316
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,632/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,662
−HK$892/mo
Today · 4.125%
HK$34,554
baseline
▲ 0.50% · 4.625%
HK$36,375
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,108/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,197/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,147/mo
Today · 4.125%
HK$44,427
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,854/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,078 · 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).