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$21,162
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$669/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$640/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,394
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$803/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$768/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$937/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,843
−HK$897/mo
Today · 4.125%
HK$34,740
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,480/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,276
−HK$1,204/mo
Today · 4.125%
HK$40,480
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,960/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,376
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,153/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,050 · 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).