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$21,104
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$667/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,854/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,478
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$639/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$800/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$766/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$934/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$894/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,168
−HK$1,201/mo
Today · 4.125%
HK$40,369
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,738/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,260
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,150/mo
Today · 4.125%
HK$44,543
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,086/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,496 · 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).