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$21,090
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$667/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$638/mo
Today · 4.125%
HK$24,730
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,460/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$799/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,155
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$766/mo
Today · 4.125%
HK$29,676
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,352/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$933/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,848
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$893/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$1,825/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,962
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,143
−HK$1,200/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,798
+HK$2,455/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,149/mo
Today · 4.125%
HK$44,515
baseline
▲ 0.50% · 4.625%
HK$46,861
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,030/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,908 · 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).