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$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$641/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$802/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$769/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$936/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,402
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$897/mo
Today · 4.125%
HK$34,742
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,484/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,093
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,278
−HK$1,204/mo
Today · 4.125%
HK$40,482
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,964/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$43,515
−HK$1,153/mo
Today · 4.125%
HK$44,668
baseline
▲ 0.50% · 4.625%
HK$47,023
+HK$2,355/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,336/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,097 · 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).