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$21,118
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$667/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,808
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$639/mo
Today · 4.125%
HK$24,763
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,526/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$801/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$767/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,567/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,565
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,485
−HK$934/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,331
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,891
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$895/mo
Today · 4.125%
HK$34,668
baseline
▲ 0.50% · 4.625%
HK$36,495
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,336/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,195
−HK$1,201/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,458/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,150/mo
Today · 4.125%
HK$44,573
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,146/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,126 · 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).