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$21,174
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,833
−HK$669/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,871
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,556
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$641/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,138
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$803/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,646
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,026
−HK$769/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,644
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$937/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,979
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$897/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,114
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,205/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,464/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,154/mo
Today · 4.125%
HK$44,692
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,384/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,595 · 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).