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$21,075
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$666/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$638/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$799/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$765/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,505
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,423
−HK$933/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,824
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$893/mo
Today · 4.125%
HK$34,598
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,196/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,935
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,116
−HK$1,198/mo
Today · 4.125%
HK$40,314
baseline
▲ 0.50% · 4.625%
HK$42,767
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,628/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,203
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,335
−HK$1,148/mo
Today · 4.125%
HK$44,483
baseline
▲ 0.50% · 4.625%
HK$46,828
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,966/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,251 · 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).