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$21,085
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$666/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$638/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$799/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$766/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$933/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$893/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,952
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,199/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,787
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,222
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,149/mo
Today · 4.125%
HK$44,503
baseline
▲ 0.50% · 4.625%
HK$46,849
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,006/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,664 · 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).