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$21,120
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$667/mo
Today · 4.125%
HK$22,444
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,888/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$639/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$801/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,951
−HK$767/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$935/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$895/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,016
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,198
−HK$1,201/mo
Today · 4.125%
HK$40,399
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,798/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,292
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,151/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$46,927
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,201 · 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).