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$21,161
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$669/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$640/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,121
+HK$1,308/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$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$803/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$769/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$936/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$897/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,203/mo
Today · 4.125%
HK$40,478
baseline
▲ 0.50% · 4.625%
HK$42,942
+HK$2,464/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,956/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,375
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,511
−HK$1,153/mo
Today · 4.125%
HK$44,664
baseline
▲ 0.50% · 4.625%
HK$47,018
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,328/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,013 · 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).