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$21,098
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$667/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,785
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,471
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$638/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$800/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,542
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$766/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$933/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,976
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,200/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,813
+HK$2,455/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,150/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$46,878
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,243 · 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).