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$21,193
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$670/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,577
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$642/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,161
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$803/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$770/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$938/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,449
+HK$1,918/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,008
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$898/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,147
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,206/mo
Today · 4.125%
HK$40,540
baseline
▲ 0.50% · 4.625%
HK$43,006
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,080/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,439
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,154/mo
Today · 4.125%
HK$44,731
baseline
▲ 0.50% · 4.625%
HK$47,089
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,462/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,412 · 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).