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$21,139
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$669/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,366/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$639/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$801/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,220
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,977
−HK$768/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,313
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$935/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$895/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,532
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,050
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,234
−HK$1,202/mo
Today · 4.125%
HK$40,436
baseline
▲ 0.50% · 4.625%
HK$42,897
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,872/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,151/mo
Today · 4.125%
HK$44,617
baseline
▲ 0.50% · 4.625%
HK$46,969
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,234/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,041 · 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).