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$21,204
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$670/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$642/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$804/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$770/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$939/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$899/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,645
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,620/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,206/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$43,029
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,600
−HK$1,155/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,909 · 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).