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$21,188
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$669/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$642/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$804/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$770/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$937/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$898/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$1,833/mo
Deposit HK$2.79M · loan HK$6.50M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,324
−HK$1,206/mo
Today · 4.125%
HK$40,530
baseline
▲ 0.50% · 4.625%
HK$42,996
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,060/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,154/mo
Today · 4.125%
HK$44,720
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,440/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,185 · 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).