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$21,183
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$670/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,370/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$642/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,309/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$803/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$770/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,657
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$938/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,917/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,878
−HK$897/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,130
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,205/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,420
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,154/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$298,996 · 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).