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$21,215
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$670/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,601
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$643/mo
Today · 4.125%
HK$24,877
baseline
▲ 0.50% · 4.625%
HK$26,188
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,754/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$804/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$771/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$938/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,042
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$899/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,375
−HK$1,207/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$43,051
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,483
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,622
−HK$1,156/mo
Today · 4.125%
HK$44,778
baseline
▲ 0.50% · 4.625%
HK$47,138
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,556/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,377 · 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).