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$21,076
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$667/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,362/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$637/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,016
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,291
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$799/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$765/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,506
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$933/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,907/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$893/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,423
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,199/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,204
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,336
−HK$1,148/mo
Today · 4.125%
HK$44,484
baseline
▲ 0.50% · 4.625%
HK$46,829
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,968/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,277 · 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).