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$21,176
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$669/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$641/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$803/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,270
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$769/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,647
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$937/mo
Today · 4.125%
HK$31,506
baseline
▲ 0.50% · 4.625%
HK$33,423
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,012/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,982
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,866
−HK$897/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,596
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,117
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,204/mo
Today · 4.125%
HK$40,507
baseline
▲ 0.50% · 4.625%
HK$42,972
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,014/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,405
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,542
−HK$1,154/mo
Today · 4.125%
HK$44,696
baseline
▲ 0.50% · 4.625%
HK$47,052
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,392/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,675 · 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).