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$21,102
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$667/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$639/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,488/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$800/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$767/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$934/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,305
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$894/mo
Today · 4.125%
HK$34,641
baseline
▲ 0.50% · 4.625%
HK$36,467
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,282/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,200/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,821
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,389
−HK$1,150/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,414 · 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).