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$21,101
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$666/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$639/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,321
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$800/mo
Today · 4.125%
HK$26,909
baseline
▲ 0.50% · 4.625%
HK$28,547
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,818/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$767/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,257
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$933/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,865
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,746
−HK$894/mo
Today · 4.125%
HK$34,640
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,280/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,982
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,200/mo
Today · 4.125%
HK$40,364
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,728/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,150/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,385 · 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).