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$21,195
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$669/mo
Today · 4.125%
HK$22,524
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,048/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$642/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$803/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$770/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$937/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,011
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$898/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,152
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,206/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$43,011
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,443
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,582
−HK$1,154/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,095
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,517 · 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).