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$21,083
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$666/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$638/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$800/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$766/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$933/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,276
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,734/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$893/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,435
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,199/mo
Today · 4.125%
HK$40,329
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,658/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,218
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,350
−HK$1,149/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,584 · 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).