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$21,117
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$667/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,090 · 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$26,067
+HK$1,305/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$296,090 · 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$28,568
+HK$1,638/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$296,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$767/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,281
+HK$1,567/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$934/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,772
−HK$895/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,494
+HK$1,827/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$296,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,202/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$296,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,287
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,150/mo
Today · 4.125%
HK$44,571
baseline
▲ 0.50% · 4.625%
HK$46,921
+HK$2,350/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,142/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,090 · 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).