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$21,182
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$670/mo
Today · 4.125%
HK$22,511
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,022/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,565
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,197
−HK$641/mo
Today · 4.125%
HK$24,838
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,310/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,676/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$803/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,278
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$769/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$937/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$898/mo
Today · 4.125%
HK$34,774
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,548/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,314
−HK$1,205/mo
Today · 4.125%
HK$40,519
baseline
▲ 0.50% · 4.625%
HK$42,985
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,038/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,417
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,154/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,949 · 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).