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$21,143
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$669/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$640/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$802/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,603
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$768/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$935/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,813
−HK$896/mo
Today · 4.125%
HK$34,709
baseline
▲ 0.50% · 4.625%
HK$36,538
+HK$1,829/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,418/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,202/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,461/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,152/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,353/mo
Deposit HK$927K · loan HK$8.34M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,209 · 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).