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$21,080
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,735
−HK$666/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,765
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,451
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$638/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$800/mo
Today · 4.125%
HK$26,882
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,764/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,896
−HK$765/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,225
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$933/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$893/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,943
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,123
−HK$1,200/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,776
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,211
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,148/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$46,837
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,439 · 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).