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$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$667/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$639/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,337
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$801/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$767/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,560
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$935/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$895/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,489
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,006
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,201/mo
Today · 4.125%
HK$40,389
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,458/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,778/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,281
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,150/mo
Today · 4.125%
HK$44,565
baseline
▲ 0.50% · 4.625%
HK$46,914
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,130/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,962 · 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).