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$21,138
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$668/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$640/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,365
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,154
−HK$802/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,596
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$768/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,486/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,513
−HK$935/mo
Today · 4.125%
HK$31,448
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,896/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,805
−HK$895/mo
Today · 4.125%
HK$34,700
baseline
▲ 0.50% · 4.625%
HK$36,529
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,400/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,231
−HK$1,203/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,894
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,463
−HK$1,152/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$46,966
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,987 · 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).