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$21,189
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,848
−HK$669/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$642/mo
Today · 4.125%
HK$24,846
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,692/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$804/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,287
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$770/mo
Today · 4.125%
HK$29,815
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,630/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$937/mo
Today · 4.125%
HK$31,524
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,048/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$898/mo
Today · 4.125%
HK$34,784
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,568/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,140
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,326
−HK$1,205/mo
Today · 4.125%
HK$40,531
baseline
▲ 0.50% · 4.625%
HK$42,998
+HK$2,467/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,062/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,568
−HK$1,154/mo
Today · 4.125%
HK$44,722
baseline
▲ 0.50% · 4.625%
HK$47,080
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,444/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,225 · 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).