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$21,120
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$668/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$640/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,133
−HK$801/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,639/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$767/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,569
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$935/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,335
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,895
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$895/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,017
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,199
−HK$1,202/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,458/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,151/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,228 · 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).