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$21,097
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$667/mo
Today · 4.125%
HK$22,420
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,840/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,470
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$639/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$800/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,919
−HK$767/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,250
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$934/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,909/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,739
−HK$894/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,459
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,200/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,149/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$46,875
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,193 · 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).