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$21,139
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$668/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$640/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$802/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,220
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$767/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,312
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$935/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,363
+HK$1,913/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,923
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$896/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,202/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,152/mo
Today · 4.125%
HK$44,617
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,351/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,234/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,027 · 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).