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$21,110
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$667/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,799
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,485
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$639/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$801/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$767/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$934/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,761
−HK$894/mo
Today · 4.125%
HK$34,655
baseline
▲ 0.50% · 4.625%
HK$36,482
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,310/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,999
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,201/mo
Today · 4.125%
HK$40,381
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,762/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,407
−HK$1,150/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,786 · 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).