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$21,156
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$669/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$641/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$802/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,243
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$768/mo
Today · 4.125%
HK$29,769
baseline
▲ 0.50% · 4.625%
HK$31,338
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,538/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,619
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,540
−HK$936/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,950
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,834
−HK$897/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,561
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,462/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,081
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,266
−HK$1,203/mo
Today · 4.125%
HK$40,469
baseline
▲ 0.50% · 4.625%
HK$42,932
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,938/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,365
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,501
−HK$1,153/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,007
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,308/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,797 · 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).