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$21,220
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$671/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$642/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,256
−HK$805/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,088
−HK$771/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$939/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,050
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$899/mo
Today · 4.125%
HK$34,835
baseline
▲ 0.50% · 4.625%
HK$36,672
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,670/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,207/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$43,061
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,493
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,156/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,149
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,597 · 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).