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$21,070
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$666/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,440
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$638/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$799/mo
Today · 4.125%
HK$26,870
baseline
▲ 0.50% · 4.625%
HK$28,505
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$53,740/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,128
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$765/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.54M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,498
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$932/mo
Today · 4.125%
HK$31,348
baseline
▲ 0.50% · 4.625%
HK$33,255
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,696/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,816
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,696
−HK$893/mo
Today · 4.125%
HK$34,589
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,178/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,926
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,106
−HK$1,198/mo
Today · 4.125%
HK$40,304
baseline
▲ 0.50% · 4.625%
HK$42,757
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,608/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,192
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,324
−HK$1,148/mo
Today · 4.125%
HK$44,472
baseline
▲ 0.50% · 4.625%
HK$46,816
+HK$2,344/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,944/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,020 · 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).