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$21,192
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$669/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$641/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$770/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$938/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,448
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$898/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,146
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,333
−HK$1,205/mo
Today · 4.125%
HK$40,538
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,467/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,076/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,437
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,576
−HK$1,154/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,387 · 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).