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$21,137
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$668/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,829
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$640/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$802/mo
Today · 4.125%
HK$26,955
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,910/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$768/mo
Today · 4.125%
HK$29,742
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,484/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,592
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$935/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,894/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$896/mo
Today · 4.125%
HK$34,699
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,398/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,202/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,892
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,326
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,152/mo
Today · 4.125%
HK$44,613
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,226/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,950 · 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).