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$21,160
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$668/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,172
−HK$641/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,626/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,182
−HK$803/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,627
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$769/mo
Today · 4.125%
HK$29,775
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,550/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$936/mo
Today · 4.125%
HK$31,482
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,964/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,957
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,841
−HK$897/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,273
−HK$1,204/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,373
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,153/mo
Today · 4.125%
HK$44,663
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,326/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,982 · 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).