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$21,107
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$667/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$638/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,328
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$800/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$766/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,265
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,398/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,549
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$934/mo
Today · 4.125%
HK$31,402
baseline
▲ 0.50% · 4.625%
HK$33,313
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,804/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,873
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$894/mo
Today · 4.125%
HK$34,649
baseline
▲ 0.50% · 4.625%
HK$36,476
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,298/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,992
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,174
−HK$1,200/mo
Today · 4.125%
HK$40,374
baseline
▲ 0.50% · 4.625%
HK$42,831
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,748/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,399
−HK$1,150/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$46,897
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,622 · 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).