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$21,174
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$670/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,871
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,556
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$641/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$803/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$769/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$937/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$898/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,205/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,967
+HK$2,464/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,400
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,154/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,574 · 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).