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$21,112
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$667/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$639/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$801/mo
Today · 4.125%
HK$26,923
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,846/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$767/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$934/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$895/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,201/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,842
+HK$2,458/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,150/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,856 · 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).