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$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$665/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$637/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$798/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$764/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$932/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$892/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,892
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,071
−HK$1,197/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,285
−HK$1,147/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,192 · 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).