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$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$668/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$639/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$800/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$766/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$934/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,324
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,884
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$895/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,488
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,187
−HK$1,201/mo
Today · 4.125%
HK$40,388
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,776/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,280
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,414
−HK$1,150/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,937 · 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).