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$21,140
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$668/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$640/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$801/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$768/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$935/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$895/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,051
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,202/mo
Today · 4.125%
HK$40,437
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,874/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,152/mo
Today · 4.125%
HK$44,619
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,352/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,238/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,071 · 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).