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$1,322/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$666/mo
Today · 4.125%
HK$22,408
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,816/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$638/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$800/mo
Today · 4.125%
HK$26,890
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,780/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,727 · 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$294,727 · 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$294,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,841
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$894/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,440
+HK$1,824/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$294,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,955
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,199/mo
Today · 4.125%
HK$40,335
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,670/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,225
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,149/mo
Today · 4.125%
HK$44,506
baseline
▲ 0.50% · 4.625%
HK$46,852
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,012/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,727 · 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).