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$21,136
−HK$1,326/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$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,514
−HK$1,271/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$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$801/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$767/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$935/mo
Today · 4.125%
HK$31,447
baseline
▲ 0.50% · 4.625%
HK$33,360
+HK$1,913/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$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,920
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$895/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,527
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,202/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,892
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,325
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,461
−HK$1,151/mo
Today · 4.125%
HK$44,612
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,224/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,935 · 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).