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$21,181
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,840
−HK$670/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,879
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$641/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,146
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,208
−HK$804/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,655
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,035
−HK$770/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,376
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$937/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$898/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,605
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,126
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,312
−HK$1,205/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,983
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,553
−HK$1,154/mo
Today · 4.125%
HK$44,707
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,414/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,903 · 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).