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$21,817
−HK$668/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$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$640/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,308/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$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$802/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$768/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$936/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$896/mo
Today · 4.125%
HK$34,734
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,468/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,204/mo
Today · 4.125%
HK$40,474
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,948/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,506
−HK$1,153/mo
Today · 4.125%
HK$44,659
baseline
▲ 0.50% · 4.625%
HK$47,013
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,318/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,900 · 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).