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$21,077
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$666/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,761
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$638/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$799/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,137
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$765/mo
Today · 4.125%
HK$29,657
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,314/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$933/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,826
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$893/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,938
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,118
−HK$1,199/mo
Today · 4.125%
HK$40,317
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,634/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,205
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,149/mo
Today · 4.125%
HK$44,486
baseline
▲ 0.50% · 4.625%
HK$46,831
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,972/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,307 · 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).