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$21,195
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$670/mo
Today · 4.125%
HK$22,524
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,048/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,579
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$642/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$803/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$770/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,595
−HK$938/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,896
−HK$898/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,150
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,337
−HK$1,206/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,467/mo
Deposit HK$929K · loan HK$8.37M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,442
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,155/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,093
+HK$2,358/mo
Deposit HK$929K · loan HK$8.37M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,486 · 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).