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$21,111
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$667/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$639/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$800/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$767/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$934/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$895/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,000
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,201/mo
Today · 4.125%
HK$40,383
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,766/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,150/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,828 · 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).