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$21,789
−HK$668/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,366/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$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$640/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$801/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$768/mo
Today · 4.125%
HK$29,735
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,567/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$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,856/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$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$896/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$1,828/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$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,037
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,220
−HK$1,202/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,882
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,316
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,451
−HK$1,151/mo
Today · 4.125%
HK$44,602
baseline
▲ 0.50% · 4.625%
HK$46,953
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,204/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,726 · 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).