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$21,115
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$667/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,120
−HK$639/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$801/mo
Today · 4.125%
HK$26,927
baseline
▲ 0.50% · 4.625%
HK$28,565
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,854/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$767/mo
Today · 4.125%
HK$29,711
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,422/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,480
−HK$934/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$895/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,189
−HK$1,201/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,282
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,150/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$46,915
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,981 · 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).