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$21,134
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$667/mo
Today · 4.125%
HK$22,459
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,918/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$640/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$801/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$767/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,588
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$935/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,799
−HK$895/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,041
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,225
−HK$1,202/mo
Today · 4.125%
HK$40,427
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,854/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,321
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,151/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,832 · 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).