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$21,167
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$669/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$640/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$802/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$769/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$936/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,917/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$897/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,101
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,204/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,464/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,387
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,153/mo
Today · 4.125%
HK$44,677
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,354/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,280 · 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).