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$21,079
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$666/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$638/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$800/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$766/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$933/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$893/mo
Today · 4.125%
HK$34,603
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,206/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,199/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,210
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,342
−HK$1,148/mo
Today · 4.125%
HK$44,490
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,980/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,398 · 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).