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$21,164
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$669/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$640/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$803/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$769/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$936/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$897/mo
Today · 4.125%
HK$34,744
baseline
▲ 0.50% · 4.625%
HK$36,576
+HK$1,832/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,488/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,096
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,281
−HK$1,204/mo
Today · 4.125%
HK$40,485
baseline
▲ 0.50% · 4.625%
HK$42,948
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,970/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,518
−HK$1,153/mo
Today · 4.125%
HK$44,671
baseline
▲ 0.50% · 4.625%
HK$47,026
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,342/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,159 · 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).