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$21,160
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$668/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,369/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$641/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$803/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$769/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,343
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$936/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,397
+HK$1,916/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$896/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.50M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,087
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,204/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,462/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,508
−HK$1,153/mo
Today · 4.125%
HK$44,661
baseline
▲ 0.50% · 4.625%
HK$47,015
+HK$2,354/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,322/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,946 · 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).