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$21,079
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,735
−HK$666/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,363/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$638/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,303/mo
Deposit HK$4.62M · loan HK$4.62M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$799/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$766/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,563/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$932/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,909/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$893/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$1,824/mo
Deposit HK$2.77M · loan HK$6.47M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,123
−HK$1,199/mo
Today · 4.125%
HK$40,322
baseline
▲ 0.50% · 4.625%
HK$42,775
+HK$2,453/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$80,644/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,210
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,148/mo
Today · 4.125%
HK$44,491
baseline
▲ 0.50% · 4.625%
HK$46,836
+HK$2,345/mo
Deposit HK$924K · loan HK$8.32M · min. income ≈ HK$88,982/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$294,417 · 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).