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$21,155
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$668/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,534
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$640/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$803/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$768/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,538
−HK$936/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,389
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,948
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,832
−HK$896/mo
Today · 4.125%
HK$34,728
baseline
▲ 0.50% · 4.625%
HK$36,559
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,456/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,203/mo
Today · 4.125%
HK$40,466
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,932/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,498
−HK$1,153/mo
Today · 4.125%
HK$44,651
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,302/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,737 · 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).