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$21,219
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$671/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$642/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$805/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$771/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,707
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,631
−HK$939/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$899/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,195
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,383
−HK$1,207/mo
Today · 4.125%
HK$40,590
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,180/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,631
−HK$1,156/mo
Today · 4.125%
HK$44,787
baseline
▲ 0.50% · 4.625%
HK$47,148
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,574/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,572 · 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).