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$21,178
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,837
−HK$669/mo
Today · 4.125%
HK$22,506
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,012/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$641/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$804/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,643/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,273
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$769/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$937/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$897/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,204/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,976
+HK$2,465/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,547
−HK$1,153/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,057
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,768 · 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).