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$21,085
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$667/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$639/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,301
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$799/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$765/mo
Today · 4.125%
HK$29,668
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,336/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,518
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$932/mo
Today · 4.125%
HK$31,369
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,738/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$893/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,952
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,199/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,149/mo
Today · 4.125%
HK$44,503
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,345/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,006/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,658 · 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).