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$21,149
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$668/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,950/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$640/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,378
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$802/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,233
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,990
−HK$769/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,608
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$936/mo
Today · 4.125%
HK$31,465
baseline
▲ 0.50% · 4.625%
HK$33,379
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,930/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,822
−HK$896/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,252
−HK$1,203/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,916
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,152/mo
Today · 4.125%
HK$44,638
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,353/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,276/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,471 · 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).