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$21,131
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$667/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$639/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,357
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$802/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$767/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$935/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$896/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,219
−HK$1,202/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,881
+HK$2,460/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,315
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,151/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$46,952
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,202/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,704 · 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).