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$21,118
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$667/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,493
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,123
−HK$639/mo
Today · 4.125%
HK$24,762
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,524/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,341
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$801/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$767/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,281
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,565
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$935/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$894/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,334/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,201/mo
Today · 4.125%
HK$40,395
baseline
▲ 0.50% · 4.625%
HK$42,853
+HK$2,458/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,790/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,422
−HK$1,150/mo
Today · 4.125%
HK$44,572
baseline
▲ 0.50% · 4.625%
HK$46,922
+HK$2,350/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,144/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,108 · 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).