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$21,109
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$667/mo
Today · 4.125%
HK$22,432
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,864/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$639/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,330
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$801/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$767/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$934/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$894/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,995
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,177
−HK$1,201/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,269
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,150/mo
Today · 4.125%
HK$44,553
baseline
▲ 0.50% · 4.625%
HK$46,902
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,106/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,709 · 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).