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$21,087
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$667/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$639/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$799/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,151
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$766/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,236
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$933/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$893/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,138
−HK$1,199/mo
Today · 4.125%
HK$40,337
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,674/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,227
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,149/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,773 · 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).