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$21,212
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$670/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,598
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$642/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$805/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$771/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,697
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,621
−HK$938/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,037
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$898/mo
Today · 4.125%
HK$34,822
baseline
▲ 0.50% · 4.625%
HK$36,658
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,644/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,182
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,369
−HK$1,207/mo
Today · 4.125%
HK$40,576
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,152/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,477
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,156/mo
Today · 4.125%
HK$44,772
baseline
▲ 0.50% · 4.625%
HK$47,132
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,544/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,249 · 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).