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$21,228
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$671/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$642/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$805/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,648/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$771/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,445
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$939/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,505
+HK$1,922/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$899/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,211
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,400
−HK$1,207/mo
Today · 4.125%
HK$40,607
baseline
▲ 0.50% · 4.625%
HK$43,078
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,214/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,509
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,649
−HK$1,157/mo
Today · 4.125%
HK$44,806
baseline
▲ 0.50% · 4.625%
HK$47,168
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,612/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,963 · 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).