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$21,096
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$666/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$639/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,303/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$800/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$766/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,534
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,453
−HK$933/mo
Today · 4.125%
HK$31,386
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,772/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,856
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$894/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,200/mo
Today · 4.125%
HK$40,353
baseline
▲ 0.50% · 4.625%
HK$42,809
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,706/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,244
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,150/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,142 · 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).