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$21,126
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$668/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,817
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,133
−HK$639/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$801/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$767/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$935/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,343
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,903
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,786
−HK$895/mo
Today · 4.125%
HK$34,681
baseline
▲ 0.50% · 4.625%
HK$36,509
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,362/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,027
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,202/mo
Today · 4.125%
HK$40,411
baseline
▲ 0.50% · 4.625%
HK$42,870
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,822/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,304
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,439
−HK$1,151/mo
Today · 4.125%
HK$44,590
baseline
▲ 0.50% · 4.625%
HK$46,940
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,180/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,468 · 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).