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$21,102
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$666/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$638/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,488/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$801/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$766/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,462
−HK$934/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,748
−HK$894/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,468
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,201/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,150/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,429 · 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).