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$21,227
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$671/mo
Today · 4.125%
HK$22,558
baseline
▲ 0.50% · 4.625%
HK$23,930
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,116/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$642/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,472
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,264
−HK$805/mo
Today · 4.125%
HK$27,069
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$54,138/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,337
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,097
−HK$771/mo
Today · 4.125%
HK$29,868
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,575/mo
Deposit HK$3.72M · loan HK$5.59M · min. income ≈ HK$59,736/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$939/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$899/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,208
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,208/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$43,075
+HK$2,471/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,646
−HK$1,156/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,164
+HK$2,362/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,890 · 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).