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$21,159
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$669/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$640/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$802/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,625
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$768/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$936/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$897/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,204/mo
Today · 4.125%
HK$40,475
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,950/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,371
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,153/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,931 · 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).