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$21,187
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$669/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$642/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$804/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$769/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.57M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,662
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$938/mo
Today · 4.125%
HK$31,522
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,044/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$898/mo
Today · 4.125%
HK$34,781
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,562/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,323
−HK$1,205/mo
Today · 4.125%
HK$40,528
baseline
▲ 0.50% · 4.625%
HK$42,994
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,056/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,564
−HK$1,155/mo
Today · 4.125%
HK$44,719
baseline
▲ 0.50% · 4.625%
HK$47,076
+HK$2,357/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,438/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,146 · 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).