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$21,109
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$667/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$638/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$800/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$767/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,553
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,472
−HK$934/mo
Today · 4.125%
HK$31,406
baseline
▲ 0.50% · 4.625%
HK$33,317
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,812/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,877
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$894/mo
Today · 4.125%
HK$34,653
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,306/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,996
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,178
−HK$1,201/mo
Today · 4.125%
HK$40,379
baseline
▲ 0.50% · 4.625%
HK$42,836
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,758/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,271
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,404
−HK$1,150/mo
Today · 4.125%
HK$44,554
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,108/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,737 · 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).