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$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$640/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$803/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$769/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$936/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,960
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,844
−HK$897/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,572
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,093
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,277
−HK$1,204/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,464/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,153/mo
Today · 4.125%
HK$44,667
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,334/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,078 · 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).