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$21,092
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$667/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$639/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$800/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,535
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,158
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,913
−HK$766/mo
Today · 4.125%
HK$29,679
baseline
▲ 0.50% · 4.625%
HK$31,244
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,358/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$933/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,290
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$894/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,147
−HK$1,200/mo
Today · 4.125%
HK$40,347
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,694/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,237
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,149/mo
Today · 4.125%
HK$44,519
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,038/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,994 · 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).