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$21,073
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$666/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,443
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$638/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$799/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,508
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$766/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,214
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,502
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$933/mo
Today · 4.125%
HK$31,352
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,704/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,820
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$893/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,931
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,198/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,197
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,329
−HK$1,148/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$46,822
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,133 · 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).