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$21,172
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$670/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,185
−HK$641/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,406
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,196
−HK$803/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,642
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$769/mo
Today · 4.125%
HK$29,791
baseline
▲ 0.50% · 4.625%
HK$31,362
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,582/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,641
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,563
−HK$936/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$897/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,109
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,204/mo
Today · 4.125%
HK$40,499
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,464/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$80,998/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,396
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,533
−HK$1,154/mo
Today · 4.125%
HK$44,687
baseline
▲ 0.50% · 4.625%
HK$47,042
+HK$2,355/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$89,374/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,486 · 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).