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$21,112
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$667/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$639/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$801/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$767/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,557
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$934/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,882
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,764
−HK$895/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,486
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,002
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,201/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,458/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,150/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,878 · 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).