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$21,077
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,733
−HK$666/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,762
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,077
−HK$638/mo
Today · 4.125%
HK$24,715
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,430/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$799/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,137
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$766/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$932/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$894/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,823/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,938
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,119
−HK$1,199/mo
Today · 4.125%
HK$40,318
baseline
▲ 0.50% · 4.625%
HK$42,771
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,636/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,206
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,338
−HK$1,148/mo
Today · 4.125%
HK$44,486
baseline
▲ 0.50% · 4.625%
HK$46,831
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,972/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,323 · 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).