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$21,121
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$668/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,497
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$639/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$801/mo
Today · 4.125%
HK$26,935
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,870/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,196
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,953
−HK$767/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,566/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,570
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$935/mo
Today · 4.125%
HK$31,424
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,848/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,896
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,778
−HK$895/mo
Today · 4.125%
HK$34,673
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,346/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,018
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,201/mo
Today · 4.125%
HK$40,402
baseline
▲ 0.50% · 4.625%
HK$42,860
+HK$2,458/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,804/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,295
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,429
−HK$1,151/mo
Today · 4.125%
HK$44,580
baseline
▲ 0.50% · 4.625%
HK$46,930
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,160/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,261 · 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).