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$21,223
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$671/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$642/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$805/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$770/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$939/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$900/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,207/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,499
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,639
−HK$1,156/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,740 · 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).