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$21,198
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$670/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$641/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,437
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,228
−HK$804/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,298
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$770/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,677
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$938/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$899/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,633
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,206/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,448
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,586
−HK$1,155/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,358/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,613 · 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).