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$21,046
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$666/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,360/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$637/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,301/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,633/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$765/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,561/mo
Deposit HK$3.69M · loan HK$5.54M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$931/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,905/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,779
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$892/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$1,821/mo
Deposit HK$2.77M · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,883
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,197/mo
Today · 4.125%
HK$40,258
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,450/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$80,516/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,147/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$46,762
+HK$2,341/mo
Deposit HK$923K · loan HK$8.31M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$292,960 · 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).