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$21,177
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$669/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$641/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$803/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,644/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$769/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$937/mo
Today · 4.125%
HK$31,508
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,016/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,983
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$897/mo
Today · 4.125%
HK$34,765
baseline
▲ 0.50% · 4.625%
HK$36,598
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,530/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,119
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,205/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,545
−HK$1,153/mo
Today · 4.125%
HK$44,698
baseline
▲ 0.50% · 4.625%
HK$47,055
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,396/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,727 · 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).