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$21,135
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$668/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$640/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$801/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,592
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$767/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,307
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,509
−HK$935/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,917
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$896/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,043
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,226
−HK$1,202/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,888
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,322
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,152/mo
Today · 4.125%
HK$44,609
baseline
▲ 0.50% · 4.625%
HK$46,960
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,218/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,867 · 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).