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$21,091
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$666/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$639/mo
Today · 4.125%
HK$24,731
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,462/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$800/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$766/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$934/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,288
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$894/mo
Today · 4.125%
HK$34,623
baseline
▲ 0.50% · 4.625%
HK$36,448
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,246/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,200/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,234
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,150/mo
Today · 4.125%
HK$44,516
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,032/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,928 · 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).