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$21,124
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$668/mo
Today · 4.125%
HK$22,449
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,898/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$639/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$801/mo
Today · 4.125%
HK$26,939
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,878/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$767/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$935/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,341
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,901
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$895/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,024
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,207
−HK$1,201/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,436
−HK$1,150/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,351/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,172/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,401 · 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).