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$21,199
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$670/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$641/mo
Today · 4.125%
HK$24,857
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,714/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$804/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,679
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,300
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$770/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$938/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,017
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$898/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,158
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,206/mo
Today · 4.125%
HK$40,551
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,467/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,102/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,450
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,154/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,664 · 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).