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$21,143
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$668/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$640/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$802/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$768/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$936/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,929
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$896/mo
Today · 4.125%
HK$34,708
baseline
▲ 0.50% · 4.625%
HK$36,538
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,416/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,240
−HK$1,203/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,152/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,204 · 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).