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$21,170
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$669/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$641/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$803/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$769/mo
Today · 4.125%
HK$29,789
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,578/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$937/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,414
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,857
−HK$897/mo
Today · 4.125%
HK$34,754
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,508/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,107
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,204/mo
Today · 4.125%
HK$40,496
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,464/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$80,992/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,393
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,154/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,355/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,421 · 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).