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$21,117
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$668/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,492
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$639/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,340
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$801/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,858/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,946
−HK$767/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,280
+HK$1,567/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,483
−HK$934/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,329
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$895/mo
Today · 4.125%
HK$34,666
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,332/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,201/mo
Today · 4.125%
HK$40,393
baseline
▲ 0.50% · 4.625%
HK$42,851
+HK$2,458/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,786/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,150/mo
Today · 4.125%
HK$44,570
baseline
▲ 0.50% · 4.625%
HK$46,920
+HK$2,350/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,140/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,064 · 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).