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$21,144
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,801
−HK$669/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,837
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,522
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$640/mo
Today · 4.125%
HK$24,793
baseline
▲ 0.50% · 4.625%
HK$26,100
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,586/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,372
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$801/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,604
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,226
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$768/mo
Today · 4.125%
HK$29,751
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,502/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$935/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,540
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,203/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,152/mo
Today · 4.125%
HK$44,627
baseline
▲ 0.50% · 4.625%
HK$46,980
+HK$2,353/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,254/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,248 · 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).