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$21,071
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$666/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,070
−HK$638/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,285
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$799/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$766/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,562/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,500
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,417
−HK$933/mo
Today · 4.125%
HK$31,350
baseline
▲ 0.50% · 4.625%
HK$33,257
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,700/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,818
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$893/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,415
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,199/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,452/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,148/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,073 · 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).