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$21,136
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$668/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$640/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$801/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$767/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$936/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$896/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,526
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,044
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,228
−HK$1,202/mo
Today · 4.125%
HK$40,430
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,860/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,324
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,459
−HK$1,151/mo
Today · 4.125%
HK$44,610
baseline
▲ 0.50% · 4.625%
HK$46,962
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,220/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,901 · 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).