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$21,081
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$667/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,766
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,488 · 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$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,297
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$799/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,636/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$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$766/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,431
−HK$933/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,272
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$894/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,431
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,945
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,199/mo
Today · 4.125%
HK$40,325
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,650/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,214
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,346
−HK$1,148/mo
Today · 4.125%
HK$44,494
baseline
▲ 0.50% · 4.625%
HK$46,840
+HK$2,346/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,988/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,488 · 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).