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$21,124
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$667/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$639/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,306/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,639/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$767/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,567/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$935/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,340
+HK$1,912/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$895/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$1,828/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,205
−HK$1,202/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,459/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,300
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,434
−HK$1,151/mo
Today · 4.125%
HK$44,585
baseline
▲ 0.50% · 4.625%
HK$46,935
+HK$2,350/mo
Deposit HK$926K · loan HK$8.34M · min. income ≈ HK$89,170/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$296,373 · 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).