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$21,053
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$665/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,734
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$638/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$799/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$765/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$931/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$892/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,895
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,198/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,722
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,289
−HK$1,147/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$46,778
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,271 · 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).