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$21,123
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,780
−HK$668/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,499
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$639/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$801/mo
Today · 4.125%
HK$26,937
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,874/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,199
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$767/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,492
−HK$935/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$895/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,022
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,201/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,865
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,433
−HK$1,151/mo
Today · 4.125%
HK$44,584
baseline
▲ 0.50% · 4.625%
HK$46,934
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,168/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,355 · 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).