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$21,106
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$668/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$639/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$800/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$766/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$934/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$894/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,201/mo
Today · 4.125%
HK$40,373
baseline
▲ 0.50% · 4.625%
HK$42,830
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,746/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,264
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,398
−HK$1,150/mo
Today · 4.125%
HK$44,548
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,096/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,597 · 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).