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$21,084
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$666/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,769
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$638/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,026
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,301
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,088
−HK$799/mo
Today · 4.125%
HK$26,887
baseline
▲ 0.50% · 4.625%
HK$28,523
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,774/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,902
−HK$765/mo
Today · 4.125%
HK$29,667
baseline
▲ 0.50% · 4.625%
HK$31,231
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,334/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,517
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$932/mo
Today · 4.125%
HK$31,368
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,736/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$893/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,436
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,131
−HK$1,200/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,220
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,352
−HK$1,149/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,627 · 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).