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$21,158
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$669/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,538
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,169
−HK$641/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,389
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$802/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,623
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,003
−HK$768/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,621
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$936/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,394
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,837
−HK$896/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,564
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,084
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,269
−HK$1,203/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,504
−HK$1,153/mo
Today · 4.125%
HK$44,657
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,314/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,870 · 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).