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$21,169
−HK$1,327/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$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$640/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,309/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$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$802/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$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$769/mo
Today · 4.125%
HK$29,787
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,570/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,574/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$937/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,916/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$1,832/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$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,204/mo
Today · 4.125%
HK$40,493
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,464/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$298,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,390
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,527
−HK$1,153/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$298,351 · 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).