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$21,159
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$668/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$641/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$803/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$769/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$936/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$897/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,566
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,086
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,204/mo
Today · 4.125%
HK$40,474
baseline
▲ 0.50% · 4.625%
HK$42,937
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,948/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,370
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,506
−HK$1,153/mo
Today · 4.125%
HK$44,659
baseline
▲ 0.50% · 4.625%
HK$47,013
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,318/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,907 · 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).