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$21,738
−HK$667/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$294,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$638/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,570 · 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$28,521
+HK$1,635/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$294,570 · 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$31,229
+HK$1,563/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$294,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$932/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,275
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,836
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$894/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$1,824/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$294,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,129
−HK$1,199/mo
Today · 4.125%
HK$40,328
baseline
▲ 0.50% · 4.625%
HK$42,782
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,656/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,217
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,350
−HK$1,148/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$46,844
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,570 · 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).