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$21,173
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$669/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,554
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$641/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$803/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,643/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$769/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,571/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$936/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,417
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,860
−HK$898/mo
Today · 4.125%
HK$34,758
baseline
▲ 0.50% · 4.625%
HK$36,590
+HK$1,832/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,516/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,111
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,204/mo
Today · 4.125%
HK$40,500
baseline
▲ 0.50% · 4.625%
HK$42,965
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,000/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,535
−HK$1,153/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,356/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,517 · 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).