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$21,126
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$667/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$640/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$801/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$767/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$934/mo
Today · 4.125%
HK$31,430
baseline
▲ 0.50% · 4.625%
HK$33,343
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,860/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,903
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$895/mo
Today · 4.125%
HK$34,680
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,360/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,201/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,151/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,454 · 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).