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$21,152
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$669/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$640/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,382
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,171
−HK$803/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,615
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,237
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,994
−HK$769/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,331
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$936/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$896/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,203/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,922
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,152/mo
Today · 4.125%
HK$44,644
baseline
▲ 0.50% · 4.625%
HK$46,997
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,288/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,595 · 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).