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$21,144
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$668/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,837
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$640/mo
Today · 4.125%
HK$24,793
baseline
▲ 0.50% · 4.625%
HK$26,100
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,586/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$802/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,227
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,984
−HK$768/mo
Today · 4.125%
HK$29,752
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,504/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,602
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$935/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$896/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,243
−HK$1,203/mo
Today · 4.125%
HK$40,446
baseline
▲ 0.50% · 4.625%
HK$42,907
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,892/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,341
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,476
−HK$1,152/mo
Today · 4.125%
HK$44,628
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,353/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,256/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,269 · 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).