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$21,074
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$666/mo
Today · 4.125%
HK$22,396
baseline
▲ 0.50% · 4.625%
HK$23,759
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,792/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,445
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,074
−HK$638/mo
Today · 4.125%
HK$24,712
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,302/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,424/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$799/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,510
+HK$1,635/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,134
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$765/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,217
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$932/mo
Today · 4.125%
HK$31,354
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,908/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,708/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$893/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,114
−HK$1,199/mo
Today · 4.125%
HK$40,313
baseline
▲ 0.50% · 4.625%
HK$42,766
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,626/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,333
−HK$1,148/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$46,826
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,212 · 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).