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$21,127
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$668/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$639/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$801/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$767/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$935/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,345
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$895/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,201/mo
Today · 4.125%
HK$40,413
baseline
▲ 0.50% · 4.625%
HK$42,872
+HK$2,459/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,826/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,306
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,151/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,520 · 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).