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$21,209
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$670/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,228
−HK$642/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,451
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,243
−HK$804/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,073
−HK$771/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$938/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$899/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,207/mo
Today · 4.125%
HK$40,571
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,142/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,610
−HK$1,156/mo
Today · 4.125%
HK$44,766
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,532/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,124 · 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).