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$21,155
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$669/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$641/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$802/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,620
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,000
−HK$768/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,618
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$896/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,080
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,204/mo
Today · 4.125%
HK$40,468
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,936/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,152/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,766 · 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).