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$21,055
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$665/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$637/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$798/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$765/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,477
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$931/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$33,232
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,650/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,793
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,672
−HK$893/mo
Today · 4.125%
HK$34,565
baseline
▲ 0.50% · 4.625%
HK$36,387
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,130/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,899
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,198/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,162
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,293
−HK$1,147/mo
Today · 4.125%
HK$44,440
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,880/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,361 · 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).