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$21,709
−HK$666/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,361/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$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$637/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$799/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$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$765/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,562/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$932/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,906/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$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,672
−HK$892/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$1,822/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,198/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,725
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,147/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,343/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$293,343 · 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).