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$21,142
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$640/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,306/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$802/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,640/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$768/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$935/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,368
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$896/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,239
−HK$1,202/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,902
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,152/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,163 · 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).