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$1,327/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$669/mo
Today · 4.125%
HK$22,503
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,006/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$641/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$803/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,269
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$769/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$937/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,981
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,865
−HK$898/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$1,832/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$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,116
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,204/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,971
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,404
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,541
−HK$1,154/mo
Today · 4.125%
HK$44,695
baseline
▲ 0.50% · 4.625%
HK$47,051
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,390/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,649 · 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).