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$21,191
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,850
−HK$669/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,574
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$641/mo
Today · 4.125%
HK$24,848
baseline
▲ 0.50% · 4.625%
HK$26,158
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,696/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$803/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,668
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$770/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,571/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,590
−HK$937/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,446
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$898/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,621
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,143
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,205/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$43,001
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,154/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,308 · 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).