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$21,154
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$669/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,534
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$640/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$802/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,954/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,240
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$768/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$936/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$896/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,203/mo
Today · 4.125%
HK$40,465
baseline
▲ 0.50% · 4.625%
HK$42,927
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,930/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,361
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,152/mo
Today · 4.125%
HK$44,649
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,298/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,707 · 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).