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$21,100
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$666/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,788
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,474
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$639/mo
Today · 4.125%
HK$24,742
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,484/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$800/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$766/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$934/mo
Today · 4.125%
HK$31,393
baseline
▲ 0.50% · 4.625%
HK$33,303
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,786/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$894/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,465
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,980
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,162
−HK$1,200/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,818
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,253
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,386
−HK$1,150/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,346 · 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).