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$21,093
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$666/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$638/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$800/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,535
+HK$1,636/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,159
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$766/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,244
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$934/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,909/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,825/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,200/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,803
+HK$2,455/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,371
−HK$1,149/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$46,867
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,019 · 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).