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$21,181
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$670/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$641/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$804/mo
Today · 4.125%
HK$27,011
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,022/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,276
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$769/mo
Today · 4.125%
HK$29,803
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,606/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$937/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,988
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$898/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,311
−HK$1,205/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,551
−HK$1,154/mo
Today · 4.125%
HK$44,705
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,410/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,868 · 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).