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$21,113
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$667/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$639/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$800/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$766/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,558
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$934/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,765
−HK$895/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,004
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,186
−HK$1,201/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,844
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,151/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$46,912
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,908 · 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).