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$21,129
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$668/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,506
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$640/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,082
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$802/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$768/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$934/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$895/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,215
−HK$1,202/mo
Today · 4.125%
HK$40,417
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,459/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,834/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,310
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,445
−HK$1,151/mo
Today · 4.125%
HK$44,596
baseline
▲ 0.50% · 4.625%
HK$46,947
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,192/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,601 · 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).