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$21,103
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$667/mo
Today · 4.125%
HK$22,427
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,364/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$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$638/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$800/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$767/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$934/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$895/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,201/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,150/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,474 · 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).