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$21,169
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$669/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$641/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$802/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$769/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$937/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,412
+HK$1,916/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,855
−HK$898/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,584
+HK$1,831/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,105
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,205/mo
Today · 4.125%
HK$40,495
baseline
▲ 0.50% · 4.625%
HK$42,959
+HK$2,464/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$80,990/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,392
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,528
−HK$1,154/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,037
+HK$2,355/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,382 · 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).