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$21,150
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$669/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$640/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$802/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$768/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$936/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$897/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,550
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,069
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,203/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,918
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,352
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,487
−HK$1,153/mo
Today · 4.125%
HK$44,640
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,280/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,506 · 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).