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$21,147
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,805
−HK$668/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,841
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,526
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,157
−HK$640/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,166
−HK$802/mo
Today · 4.125%
HK$26,968
baseline
▲ 0.50% · 4.625%
HK$28,609
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,936/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,988
−HK$768/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,606
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$935/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,377
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,936
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$896/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,249
−HK$1,203/mo
Today · 4.125%
HK$40,452
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,904/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,482
−HK$1,153/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$46,987
+HK$2,352/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,400 · 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).