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$21,130
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$667/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,367/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$639/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$802/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,586
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$768/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,300
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,583
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,503
−HK$935/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,351
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$895/mo
Today · 4.125%
HK$34,688
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,376/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,035
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,202/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,459/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,448
−HK$1,151/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,667 · 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).