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$21,099
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$667/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$639/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$800/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$766/mo
Today · 4.125%
HK$29,689
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,378/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,458
−HK$933/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,301
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,862
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$894/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,463
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,979
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,200/mo
Today · 4.125%
HK$40,360
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,720/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,251
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,149/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,299 · 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).