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$21,067
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$666/mo
Today · 4.125%
HK$22,388
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,776/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$638/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$799/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,124
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$765/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$932/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$33,250
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,811
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,691
−HK$893/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,920
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,100
−HK$1,198/mo
Today · 4.125%
HK$40,298
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,452/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,596/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,186
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,148/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,344/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,873 · 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).