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$21,061
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$665/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$638/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,274
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$799/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,493
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$765/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$932/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$892/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,198/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,739
+HK$2,451/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,175
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,148/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$46,797
+HK$2,343/mo
Deposit HK$924K · loan HK$8.31M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,645 · 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).