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$21,072
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$666/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,756
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$638/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,286
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$799/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$766/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,214
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$933/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,699
−HK$893/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,929
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,109
−HK$1,199/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,761
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,148/mo
Today · 4.125%
HK$44,476
baseline
▲ 0.50% · 4.625%
HK$46,820
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,952/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,104 · 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).