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$1,322/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$666/mo
Today · 4.125%
HK$22,402
baseline
▲ 0.50% · 4.625%
HK$23,765
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,804/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,452
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$638/mo
Today · 4.125%
HK$24,719
baseline
▲ 0.50% · 4.625%
HK$26,022
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,438/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$800/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$765/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$933/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,726/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$893/mo
Today · 4.125%
HK$34,606
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,212/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,125
−HK$1,199/mo
Today · 4.125%
HK$40,324
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,454/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,648/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,148/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$46,839
+HK$2,346/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,469 · 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).