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$21,142
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$668/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$640/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$801/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$768/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$936/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$896/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,203/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,903
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,152/mo
Today · 4.125%
HK$44,624
baseline
▲ 0.50% · 4.625%
HK$46,976
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,248/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,176 · 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).