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$21,116
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$668/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,365/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$639/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$801/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$767/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$935/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$895/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,491
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,190
−HK$1,202/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,284
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,418
−HK$1,150/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,349/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,019 · 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).