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$21,056
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$666/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,361/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$637/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$799/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,486
+HK$1,634/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$764/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,256/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$931/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,906/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$892/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,198/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,729
+HK$2,451/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,164
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,148/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$46,785
+HK$2,342/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,411 · 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).