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$21,168
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$669/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$641/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,130
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,402
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$803/mo
Today · 4.125%
HK$26,995
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,990/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$769/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$936/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,831/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,103
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,288
−HK$1,205/mo
Today · 4.125%
HK$40,493
baseline
▲ 0.50% · 4.625%
HK$42,956
+HK$2,463/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$80,986/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,389
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,526
−HK$1,154/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,035
+HK$2,355/mo
Deposit HK$928K · loan HK$8.36M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,335 · 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).