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$21,132
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$667/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$640/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$802/mo
Today · 4.125%
HK$26,949
baseline
▲ 0.50% · 4.625%
HK$28,589
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,898/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,968
−HK$767/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,303
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,470/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$935/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,353
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$895/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,202/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,883
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,317
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,151/mo
Today · 4.125%
HK$44,603
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,206/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,747 · 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).