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$21,761
−HK$666/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$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,478
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$639/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,304/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$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$800/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$767/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$933/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,911/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$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$894/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,200/mo
Today · 4.125%
HK$40,369
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,738/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,261
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,394
−HK$1,150/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$46,892
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,513 · 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).