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$21,086
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$667/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$638/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$800/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,150
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$766/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,235
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,439
−HK$933/mo
Today · 4.125%
HK$31,372
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,744/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,842
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$893/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,441
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,956
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,200/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,790
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,225
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,358
−HK$1,149/mo
Today · 4.125%
HK$44,507
baseline
▲ 0.50% · 4.625%
HK$46,853
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,014/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,741 · 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).