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$21,145
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$669/mo
Today · 4.125%
HK$22,471
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,942/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,154
−HK$640/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$802/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,606
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$768/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$936/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,373
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,816
−HK$896/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,244
−HK$1,203/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,908
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,152/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,352/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,298 · 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).