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$21,058
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$665/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,426
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,055
−HK$637/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$25,993
+HK$1,301/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$799/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,488
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$765/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,192
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$931/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$893/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,904
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,197/mo
Today · 4.125%
HK$40,280
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,560/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,167
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,298
−HK$1,147/mo
Today · 4.125%
HK$44,445
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,890/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,471 · 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).