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$1,323/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$667/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$638/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,585 · 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$295,585 · 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$295,585 · 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$295,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,753
−HK$895/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$1,826/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$295,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,201/mo
Today · 4.125%
HK$40,373
baseline
▲ 0.50% · 4.625%
HK$42,829
+HK$2,456/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$295,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,264
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,397
−HK$1,150/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$46,895
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,094/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,585 · 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).