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$21,089
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$667/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,364/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$638/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,304/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$800/mo
Today · 4.125%
HK$26,893
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,786/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$766/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,238
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$933/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$894/mo
Today · 4.125%
HK$34,620
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,240/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,959
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,200/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,794
+HK$2,454/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,149/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,346/mo
Deposit HK$925K · loan HK$8.32M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,831 · 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).