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$21,105
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$667/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$639/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$801/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,930
−HK$767/mo
Today · 4.125%
HK$29,697
baseline
▲ 0.50% · 4.625%
HK$31,262
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,394/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$933/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,310
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,870
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$894/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,472
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,988
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,170
−HK$1,201/mo
Today · 4.125%
HK$40,371
baseline
▲ 0.50% · 4.625%
HK$42,827
+HK$2,456/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,742/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,395
−HK$1,150/mo
Today · 4.125%
HK$44,545
baseline
▲ 0.50% · 4.625%
HK$46,893
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,090/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,539 · 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).